I am 40kms away from Kolkata. In a town named Hooghly. People here ride mostly insane with no gear at all. My friends make fun of me for riding slow (45-50kmph max) that too with gear on(Helmet, gloves, shoes).
Though I am a very young rider, and started riding just recently, I too feel 45-50 is my most comfortable limit. Thats why I ride in those limits.
Btw I am 23 only.