Have you not ever ridden on ice or icy streets? It can be absolutely treacherous and nearly impossible to keep the bike upright. You definitely need to check the road surface periodically. Put your foot down to check traction. If it is sheet ice, forget about it unless you have studs. Also, don't even think about going 20 to 22 mph, try more like 10 to 12 or slower. Everyone has different acceptable levels acceptable risk. Experience is the best teacher.