I ride for fitness and fun and really I have zero issue with a 20mph speed limit. I'm sure if I commuted on road with cars I might feel differently. The Stromer does 30mph with some effort (off road enabled) and it's exciting, but really too fast for the riding/areas/conditions I do. My trike is also off road speed enabled but I usually am in the same speed range as the Hai and Stromer, high teens is fast enough for me to get my speed jollies and not unsafe.
Getting 3-5mph above what I would be peddling on my own is really all I'm after. Lots of fun, wind in the face, but still biking. And working out. Just not as hard.
If I thought about that much I might never get off her.
I do love this bike! Never had a full suspension bike, and at 220lbs I'd never been on one that wasn't sacked out by my weight so that it did little suspending.
It's so much fun that I can't stop riding off the paved trail as much as possible, even just riding beside the paved trail. LOL
And between the nice cushy seat and the suspension, I'm up to 20 miles before I start to have discomfort. Edit- That's with padded shorts.
After 15 years mostly off upright bikes (wedgies), that's amazing to me.