There is some evidence that caffeine increases the amount of fat in the blood stream which some feel is good as it increases body's readily available fuel for endurance sports. A trained cyclist will burn a relatively high percentage of fat even even during a long race which is good as it stretches the glycogen supply.

High levels (dependent on the individual) will cause some to become hyper and interfere with their patience and concentration. It can interfere with sleep at night. I have that problem so I have to keep the amount low and eliminate any caffeine after about noon.

It will also cause irregular heartbeat in some; you miss a beat now and then. A friend of mine had to give up coffee because of it.

It's addictive, so it's difficult for most to give it up.

Except for the above, there appears to be no real health risk to ingesting moderate amounts of caffeine. However, your 95 heart rare seems high for a youngster unless it's measured relatively soon after you've ridden. I'm 65 and rarely see that rate unless I'm doing something strenuous (resting 58 and max 177). I also return pretty quickly to sub 95 levels even after strenuous ride.

It would be worth checking to see if this is unusual.

A lingering high heart rate is sometimes an indication of over training or not enough rest.

Al