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for this kind of bike unless conditions are ideal never exceed 25 kph, but dont bike slower than 15 kph otherwise you could just jog
.ie go at the fastest speed that requires the least effort, especially important for heavy bikes is to maintain a constant speed, never going so fast that slowing down is necessary.
depending on the weather clothing matters a lot, I used to ride only in shorts and a tee shirt, but carried a very thin cardigan tied around the waste or over the shoulders
but a few times I found my self in such a cold rain / hail storm that my forearms, tip of nose, ears, lips went numb and my fingers had chilblains,
its also possible to get cold asf if you are sitting still out doors for a long time .eg waiting / sleeping
after that I carry much more water proof and warm/dry clothing, but I hardly ever use it so where to keep it ? In a huge basket the back of the bike, along with bike locks and extra water / food / tools
sometimes I carry togs or beach clothing just because
a basket on top of the rack is bad for cornering due to the weight being so high, but its good for a single back pack
pannier bags lower but are good for handling only if evenly weighted side to side, and they create a lot of aerodynamic drag and can make the bike awkwardly wide
there is also the issue of security, being able to take the bags with you is useful
