I’m far from being the quickest cyclist out there and and my commutes are in the 30kmh range when it isn’t windy.

There are plenty of e-bikes that pass me, and I’d estimate they are doing 40kmh.

Not wearing a helmet would be mad.

those are speedpedelecs and i agree, you are insane if you don't wear a bike on that.

e-bikes are usually 25km/h max in my countries (Benelux)