Minus 10 will pretty much guarantee you showers, but they can fall with cloud top temperatures less than that - especially on coasts (abundance of marine cloud condensation nuclei) and where there is a small difference between temperature and dewpoint through the boundary layer.
Probably more like minus 18 for thunder, but minus 20 is close enough.
Hail forms when there's a good separation between parcel temperature and environment temperature. This leads to stronger updrafts which are generally necessary for hail to form at a large enough size to be solid on reaching the ground - especially during the summer when the hail falls through a deep layer of air with a positive temperature. You can also get hail from a surprisingly shallow cloud when the freezing level is low.