I do not know the actual speed but I figure it is about 3-5 mph. Whatever 2nd gear is on a 7 speed bike pedaling at a leisurely pace on flat ground. We are pretty laid back here and I am unable to pedal fast anyway. Heart problems slow me down pretty quick if I get to thinking I am a Lance Armstrong clone.
To go riding you just put on your sandals and sunglasses and hop on the bike. We only have a couple weeks of winter so its mostly tshirts and shorts here all year long.