At R20 with RB above with a bit of gap, just leave it. If the basement temps average 60F or above, going more than R20 would be overkill anyway.
If it's below 50F down in winter there it means the sills & band joists, doors, windows etc, are leaky as hell, and you should spray-foam seal/insulate them all the way around, and fix all of the weatherstripping, etc. Deep well temps and average annual soil temps in the Newburgh area are ~ 50F. Odds are that even uninsulated it'll coast through the winter well above 50F, over 60F if there's any sort of wall & band-joist insulation.
Even when the sub-floor gets up to 100F,
the heat loss to the basement through the R20 to a 60F room below is less than from a 70F room through an R20 wall to a 30F outdoors, (and less than the loss from a 70F room through an UNinsulated non-radiant floor to a 60F basement.) Most homes built before 1990 have nowhere near R20 walls- R20 is "good
enough" over semi-conditioned space in your location. Your seasonal average sub-floor temps are likely to be lower than 100F.