Do you have a maximum number of decimal places you'll ever need to display? (Your examples have a max of 5).
If so, I would think that formatting with "0.#####" would do what you want.
static void Main(string[] args)
{
var dList = new decimal[] { 20, 20.00m, 20.5m, 20.5000m, 20.125m, 20.12500m, 0.000m };
foreach (var d in dList)
Console.WriteLine(d.ToString("0.#####"));
}
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