@kahn: All signs show your Creo is at the Class 3, and the 25 km/h label had just been placed there in Taiwan before your e-bike was imported in the United States. The distributor must have reprogrammed the Creo batch to meet your regional requirements.
The sign of the SL 1.1 motor cut-off is sudden silence. I'm sure your motor was whirring all the time!
22 mph? Very correct value. My derestricted Vado SL can achieve about the same, only the motor plus myself are too weak to push it faster. (If you rode in the drops, you could achieve something more).
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Allan mentioned a full power 28 mph Turbo e-bike. My Vado is a similarly specced e-bike, only with a mid-drive motor. With the original 48T chainring and slick tyres, I can easily achieve 40 km/h (25 mph) in Turbo mode. The air drag makes it very hard to ride my Vado any faster. However, riding a mild decline makes it possible to hit the 45 km/h limiter. Mid-drive motor is very natural there. Upon reaching 45 km/h, the acting forces get in balance, and you just ride at 28 mph but not any faster.
I had the chance riding at the restrictor speed for several times. The most humiliating situation was with a roadie who could ride just faster than I could on the same slope... (With real downhill, it makes no sense to pedal at all unless it is a road e-bike with high gearing; my top speed downhill was 64.8 km/h or 40.2 mph; I made it on a wide straight road made of perfect asphalt, no traffic whatsoever. And I applied a technique that allowed me reducing the air drag: while standing on the pedals, I move my backside far to the rear, and I heavily lean on the handlebars the way my body is horizontal, and the centre of gravity is rearwards).