During my 15 years as an active member of the local club, I never stretched before a club ride - we just rode slowly the first few miles until we were warmed up (muscle-wise)...

However, I should have stretched this morning - apparently I pulled a muscle in my left leg...

Oh, well...

But, I have heard that over-stretching can be just as bad as not stretching at all, so, moderation is the key...