Yeah 40-45mph on roads I know well is my max. Even when I was young and reckless (stupid) that was still about my limit. ....and for whatever reason, I seem to be a wasp, hornet & bee magnet and they always hit me while I'm descending. I haven't been stung yet, but trying to flick a yellowjacket off your jersey at 40mph is, well, more adrenaline than I care for.