Many accidents happen when drivers are within the speed limit but driving too fast for the road conditions on the road.
However, I agree with a reduced speed limit in certain areas. Schools, roadworks on motorways to name 2. Speed limits are in place for a reason, should you choose to ignore them then be prepared to suffer the consequences if caught or worse you suffer an accident.
I'm no angel :& have been know to make "Progress" while riding or driving.