Yes, you may be weak, but I'm pretty sure that my 70 year old mother-in-law can go faster than 10.1 mph moving average on a properly set up road bike with proper clothes, and she never cycled a day in her life. So what I'm trying to figure out is why you end up being so slow.Uh, cuz I'm weak? Uh, I haven't done any kind of serious physical training in over 15 years? Seriously, I thought I made this clear. Maybe not.
My questions were designed to get to the bottom of this. Vertical speed on hills would help understand just how weak you really are. Low speed on flats would indicate a problem with aerodynamics, either due to excessively upright position or due to baggy clothes. Sounds like the handlebars are set up reasonably well, though you could still take a photo of yourself on the bike and check out the angle. You want to be at 45 degrees or lower.
37 mm tires are part of the problem, they slow you down by increasing your rolling resistance. Are they slick or offroad type (with grooves)? Start by making sure that they are properly inflated.
I don't know how bad your roads are. I've never ridden in NY, but I've ridden in at least 12 counties in both Northern and Southern California and once ventured to Nevada, always on 22-23 mm racing slicks, and I've never had problems. I'd be surprised if NY were indeed so dramatically worse than CA. After you get properly padded cycling shorts/bibs, at least consider getting 32mm or narrower tires for dry-weather rides.