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I don't mind speeding a little (i.e. +5 MPH) on city streets, but I've noticed that whenever I ride with most people, they seem to have a fetish for, say, going 60 in a 40, and that's during the daytime when there are actually cars on the road. And to say nothing of curves.
Then there's the highway. I actually rarely go well above 65, mostly for fuel economy reasons, while my friends like to do 80-90. Once, my friend and I were traveling around in separate cars, and I was pushing my car harder than I normally do just trying to keep up. Whenever I'm driving and I go 65, sometimes I worry that I'm bogging my friends down.
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I usually find it relatively safe to go about +5 or +10. +10 you start to feel uncomfortable if the speed limit is there for road curvature reasons. +20 is not safe.
I'm in Los Angeles and I'm glad I don't own a car.
You probably ARE the only sane driver in California.
This is also the same state that pulled over my dad twice in one day under identical conditions; once for speeding, and once for impeding traffic.