That is correct you must us 12 not 14 for 20 amp. For lights you would use a switch leg. Run two separate wires to the fixture one from power and one from switch. The wire at the switch will be white and black attach both to switch. At the fixture attach the black power supply to the white wire going to the switch then attach the black wire coming from the switch to the black fixture wire. Attach the white wire from power supply to the white wire at fixture. When the switch is off the power to the fixture is completely off so if someone changes light if the future it is safer.
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