Sensible, Wally. I hope and suspect that you share my view that we should go no faster than we are equipped and accoutered for.
I can only go 20, but 28 seems fine with good brakes/tires, good maintenance, helmet. Gloves and long pants are fine, but if you crash without them you will not end up dead (although maybe wishing you were) or paralyzed. It's all a big freedom cry until we are wheeled into the ER, uninsured and begging for immediate, uncompensated medical care.
I too have bigger stuff, a BMW Dakar 650. Then I ride with full motorcycle helmet, motorcycle boots, blue jeans (at least), rated gloves.
I also fly a paramotor, which is admittedly risky. But I dress, equip and prepare for as much safety as possible.
If all MB riders were more like you we would not be suffering near the regulatory blow back we are now.