The thing about those speeds on bicycles - you’re kinda “protected” [1] by the fact that a bicycle can’t do that very much. A motorbike will cruise comfortable at 40 mph all day - on a bicycle it’s an unusual event. So your chance of crashing at 40 mph - even if you can do it - is lower simply because you won’t do it much.
And yeah, it’s astonishing how much low-speed tumbles can hurt.
[1] in a risk analysis / statistical sense.
