While you are not "looking to assign blame," let's talk about your "[not] gelled into a theory yet."

"The woman, believed to be in her 30s...."
"The woman, in her 30s...."
"A female bicyclist, believed to be in her 30's...."
"The Chicago Fire Department said the victim is a woman in her 40s."

Perhaps you should follow your advice and *actually* "reserve judgement."

-mr. bill