All of which begs the question about terminal velocity. Mr Robot says, “
According to a post on Bicycles Stack Exchange, the terminal velocity of a road bike can be estimated using the formula (2F / (CdA)), where F represents the force applied by the cyclist, Cd is the drag coefficient, and A is the frontal area of the bike. Using this formula, the estimated terminal velocity of a road bike is approximately 41.3 m/s or about 149 km/h.” or 92.58 MPH.
Edit: In winter it should be 90.58 MPH 
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Road 🚴🏾♂️ & Mountain 🚵🏾♂️