hydrex: You have one hot Arctic Cat. Almost all of us have enough common sense to ride safely so we don't break every bone in our bodies. An ATV can do that to you. I fully understand there are foolish people who like to stunt ride in front of the buddies or claim the fastest ATV of the day. Sometimes a beer or two can make you very brave.
I think we ought to have the freedom to assess the risk, take the risk, and enjoy riding our ATVs on secondary roads. Only very, very rarely would an ATV be a risk to another person. I agree with the posted 45 mph roads or less being appropriate. I can imagine many of us would ride at a lesser speed. In Colorado, we "share the road" with slow moving vehicles, like bicycles. We have to be courteous of our fellow citizens who pay for the roads too.
My Can Am owner's manual talks about the importance of the two up rider wearing a helmet with a good chin protection. The issue is jostling from bumps and jolts that jerks the rider.s head into the back of the operator's head. I could see that happening. It is an injury risk we can easily mitigate without a "requirement" law, just common sense.
Jumbo: You are right. Higher velocities results in more energy dissipated when you hit a tree, or power pole, or ditch. And you can't legislate all the risk out of living. It is tragic when a teenager gets serious injuries while riding a motor scooter, or driving the family car. It makes us feel bad.
I thought the linked article in post #1 certainly discusses the pros and cons. We ATV riders want to ride, and there ain't enough trail miles available for everyone who wants to take a weekend ride. We have one trail close by and southwest of Denver that looks like a freeway at rush hour on Saturdays. Lots of dust. There is no room to park your ATV trailer. Secondary road riding in scenic areas done responsibly can be just as much fun in my view. ATV owners ought to "demand" it.