I have ALWAYS been a BIG proponent of safety. I think 95 in a 21 is way beyond INSANE! I'll watch thank you very much. In my Skater, if just tooling around at say 65 maybe 70 or less I do not wear any vest. If testing or runing WOT I ALWAYS wear a vest and often a helmet. In any radar run, or poker run I ALWAYS ALWAYS ALWAYS wear Lifeline Jackets and Helmets! Oh, and all passengers must as well!