With a full load (Panniers and a HB bag) I max out around 25 MPH. I know that I could go faster than that if I wanted, but my commute is 21.5 miles each way so I am not interested in petering myself out on a sprint.

In my case I am more interested in average speed, as I think that tells you more about how you rode overall. Yesterday I hit an average speed of 14.3 MPH during my morning commute, a PB for me on that route. I would like to get it up to 15 in time. I should mention that about 13 of the miles I commute are on MUP. Afternoon commute is always a bit slower due to increased MUP traffic. If I can keep my average speed in the 13's it feels respectable. I hope to continue improving on my average speed as my weight goes down.