Ray,
The 5D may have a 2.5X size CCD, but that says nothing about the light that it actually receives relative to the crop frame. For the statement '2.5X the light' to be true the lens would have to let in 2.5X the light, and both crop and full frame cameras both accept the same EF lenses. So the 5D really gets the same amount of light as the 20D, but because it is spread over a larger area the sensitivity is reduced, making the 20D actually better in this regard. Where am I wrong?
The concept here is
not that the lens lets in 2.5x the amount of light, but that the FF sensor
captures 2.5x the amount of light. Consider the same lens at the same focal length, using the same shutter speed and same f stop, on both formats. The lens must let pass the same amount of light. However, the cropped format crops the field of view and therfore crops, or reduces, the total amount of light bombarding the sensor. In this scenario, the field of view is unequal. However, it's true the same amount of light falls on the same
area of sensor.
However, when we adjust F stop and focal length so the field of view is the same for both formats, the
composition receives 2.5x the amount of light in respect of the full frame format. Okay?
Edit: It's tricky, and I get myself confused sometimes. A 50mm lens at F8 lets pass the same amount of light as an 80mm lens at F13. The physical aperture diameters are the same. 50/8 = 80/13 (approx). The FoV is the same, but the FF sensor is 2.5x larger and therefore captures 2.5x the amount of incoming light. The cropped format wastes a lot of the image circle of the FF lens, hence the introduction of EF-S lenses, which are designed to be (hopefully) sharper in the centre but would be hopeless at the edges, if they were able to fit onto a FF DSLR.