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But what if this isn't theoretical cycling? And I'm doing 35mph downhill in the dark on a wet road.*

*doesn't happen much commuting in London. Does happen to me most weeks for 6 months of the year.

What you did is putting yourself in a compromising position - going too fast to slow down properly.

If you think you can't slow down properly at 35mph down the dark and wet road, then ease up the speed.