Ok I created a quick one, tested in IE 7 and firefox 2 & 3. Also note it doesn't disable the message area like it does on digital point, well because I didn't feel like going through VB's javascript to try to figure out how to at this time. But disabling the subject will achieve the same effect as the user cannot create a thread with it disabled.
So here goes
First the template edits:
Go to,
AdminCP->Styles & Templates->Style Manager->Your Style->Edit Templates->New Posting Templates-> NewThread
First find:
and add this right above it:
Next in the same template find:
PHP Code:
<input type="text" class="bginput" name="subject" value="$subject" size="40" maxlength="$vboptions[titlemaxchars]" tabindex="1" />
Make sure its the input that has 'name="subject" ' and then replace it with this:
PHP Code:
<if condition="$bbuserinfo['posts']<=20">
<input type="text" class="bginput" name="subject" id="pb_subject" value="$subject" size="40" maxlength="$vboptions[titlemaxchars]" tabindex="1" disabled="disabled" />
<else />
<input type="text" class="bginput" name="subject" value="$subject" size="40" maxlength="$vboptions[titlemaxchars]" tabindex="1" />
</if>
Next just import the plugin I attached.
One last note, its set up to stop showing for users with more then 20 posts because thats what you asked for.