From motorcycling, I learned that you should never get anywhere near your technical and equipment limitations on anything other than the track or other controlled conditions. In the semi-rural area where I live even roads I am on regularly provide surprises from time to time with loose sand/gravel in curves, new potholes, etc. And of course then there is the matter of cars and trucks that can do unexpected things such as take corners in the opposite lane, stop suddenly or make unexpected turns.
As I've gotten older, I'm more aware of the consequences of crashing and have really dialed back my decent speeds. I find taking corners 25-30% slower than I used to has not impacted my enjoyment much, if any and I'm reducing the risk of a crash that could have me off the bike for an extended time.