Mountain biking is great conditioning, but a few times around a 1/4 mile loop isn't much. I usually ride a 8-9 mile loop at least every other day when I ride the nearest trail to me. It's extremely hilly. When I ride some of the trails in Columbia, which have some flat areas, I do about 15 miles. If you have a trail near you try to do some longer rides.
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If everything seems under control, you're just not going fast enough...
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