To solve this expression, we need to follow the order of operations (PEMDAS).

First, we will perform the operations within the parentheses:
20.6 - 16.74 = 3.86

Next, we will multiply the result by 0.1:
3.86 * 0.1 = 0.386

Moving to the next part of the expression, we will add 23.4 and 8.95:
23.4 + 8.95 = 32.35

Finally, we will divide the sum by 100:
32.35 / 100 = 0.3235

Now, we will add the results of the two previous calculations:
0.386 + 0.3235 = 0.7095

Therefore, the final result of the expression (20.6 - 16.74) * 0.1 + (23.4 + 8.95) / 100 is approximately 0.7095.