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Pre flop: Your getting roughly 5:1 to call. Having it get capped won't really matter since you'll still be getting the same odds.

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This is incorrect. Try doing the math on the difference between 5:1 and 20:4 on how bets you need to make up postflop.

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You are getting 5:1 to call, and it's about 7.5:1 to flop a set. So you can make up 2.5 SB postflop and you will break even. Seem likely in this game, unfortunately, it's not 2.5 SB you have to make up; it's 3 times this. You will need to earn just under 4BB postflop to make up for your preflop call, so I think it's really really really close if it's even +EV at all.