"Also were riding mid 20's most the time....the age of 52...I'm also overweight too. 6'2" #245. Any way here's my question."

I can tell you that I'm 52, 6'-2", about 220 now, and as far as I can tell, I'm NEVER going to be "riding mid 20's most of the time". Maybe I'm a pessimist and one of these days, I'll just wake up and be 10 mph faster, but I rather doubt it.