I wouldn't go near that speed on a bike wearing a tour de france outfit. Crashing at those speeds will be very, very painful.

A friend of mine had a low speed crash on his bike, and knocked his front teeth out. After that, both he and I bought full face helmets.

When I ride dirt bikes, I wear a full set of armor. I look like a storm trooper. But I've crashed many times, and was unhurt. The armor is worth every penny. (The only way to learn how to ride a dirt bike is by crashing it.)