Regarding Avalon’s comments on Spectra (Gel Spun or Gsp - its all the same) like Power Pro, Bionic Braid, Tuff Line, etc.:
Spectra lines are more slick,i.e. less friction than dacron. This is beneficial for reducing line drag but a problem for knots. The deal with possibly warping spools is due to packing the line too tight on a spool. Because of the finer diameter used compare to dacron, and the slickness, it needs to be packed tight to keep it from digging into itself on the spool under tension. You can damage some lesser quality spools by packing dacron on too tightly also. The fine diameter is what leads to cut hands if one is not careful.
On 20lb dacron and tippet strength. As noted earlier it is difficult to put a lot of pressure on fish with a rod. An experience angler can put more than 10lbs of pressure, most inexperienced and many experienced anglers do not come close. I often demonstrate this to newbies, asking them to pull as hard as they dare on a rod rigged with line and leader hooked to a spring scale. Rarely does someone get more than 2 to 3 lbs of pressure before they think they are going to break the line - and this with a 9wt rod.
So when does backing strength become an issue. I think rarely does an angler fight a fish on the backing - it is hard to get maximum pressure on fish when you have a lot of line out due to line stretch. Dudley mentioned line drag. I have run into this when fishing for yellowfin tuna when the fish changed direction with a couple of hundred yards of backing out. The combination of the powerful fish dragging all that line through the water parted 10kg tippet like it was nothing. With 20lb dacon, it is possible that the backing would have broken instead. I have seen this happen to other anglers, even when fishing lighter tippets. Just so happened that the greatest amount of pressure was in the backing due to the angles involved. This can happen with many fast moving saltwater creatures.
Another case that I have seen backing failures has again occured when tuna fishing. Your in a pretty good tuna blitz and hooked up to a tuna headed for the horizion. Meanwhile another tuna hits your taught line. POP! The force of another big fish hitting your tight line can cause it part.
Bluewater guys often argue the pros and cons of 20lb vs 30lb dacron, though most are going to spectra lines to get strength with reduced drag resulting from finer diameter line.
A third case that may cause backing failure is abrasion of the backing due to contact with other fish, boat hulls, reefs, rocks, and other structure. 30lb dacron is more abrasion resistant due to its greater diameter and may hold longer.
Bluewater anglers or those that fish around reefs are usually not strangers to lost flylines.
The most common reason I have seen for loss of flyline is a poor backing to flyline connection or one weakened by numerous battles.
It is very difficult for an angler to break the backing just through the pressure they are applying. With 14lb tippet, you are not likely to part 20lb backing unless it is damaged, you have a bad connection, or you have a line drag problem.