People (mainly non-cyclists) ask me at what age I might stop riding. The only thing I can say is that when my balance, reflexes and coordination get so bad that I can't ride my bike like I currently do, I will think about getting a hybrid to just go to the liquor store to buy some beers.
That being said, one's ability to ride a bike safely has no relationship to your wearing a helmet, neon windbreaker, or flag. That's just the way it is.
