My problem seems to be Zoom no longer picking up the virtual video interface out of OBS.
Fixed it! The default v4l2loopback driver is borkened in 20.04. Grabbed the latest code from the GitHub repo, compiled, installed. Works again now.
Weird choppy video problem that I eventually tracked to indicator-multiload which appears to have a performance problem https://discourse.ubuntu.com/t/gnome-shell-performance-improvements-in-ubuntu-20-04/15972?page=2
That was driving me mad.
Video is smooth again, outputs to Zoom via OBS, so all my stuff is working at the standard I need on 20.04.
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