43mph? That sounds nucking futs man. I'm originally from the Bay Area and grew up on MTBs and BMX rigs so I know there's some gnarly hills out there. Here in Florida, it's mostly flat and I've become a roadie in my old age (23).
I have little else to gauge my speed on my current bike but I regularly feel like I'm doing about 15 to 20mph, probably 15 or 16 most of the time. I was going no more then 15 when I took a stinger to the lip this evening.