It's my experience, which is nil compared to most here, that the older Cat 4's 45+4 in my case, can't ride a bike to save their ass. I had less weirdness in the straight 4's than I did in the 35+4 and 45+4 classes. I would have thought it was the complete opposite, but I was wrong.
My thought on that: I think folks wanting to race bikes at a later time in life were likely fairly athletic in earlier times. Running killed their body, or they want to try something new, so they figure cycling would be the next logical step. Anyone can ride a bike, so let's go race one. I know there are many more reasons for folks wanting to race, but I see that scenario quite a bit.