A 120-GB hard drive appears as 111.75 GB after Windows is installed due to Binary numbering system.
3 GB is paging file ( 1.5 times RAM ). That makes 108.75 GB.
2 GB hibernation file ( = RAM ). That leaves behind 105.75 GB.
15% total HDD space for system restore. That leaves behind 89 GB.
Vista installation is around 15 GB. That leaves behind 74 GB.
You say you put 20 GB of stuff. That leaves behind 54 GB.
About 1 GB for internet explorer cache ( adjustable ).
Uninstall files for Windows updates ( hidden in Windows folder ).
If you have Nero, that has about 1 GB of cab files left after installation into Program Files directory, in case you need to change install options ( hidden in Users folder ).
The story goes on and on.
Hope the above helps.
Regards
SuatCINI