Your the one playing.So long as your happy and enjoying it everything else is immaterial.Very famous eminent professors were rubbish at playing music instruments.My fingers are not particularly nimble nor particularly lethargic but I'm assuming they would improve with use.
Finally Doctors recommend learning to play a instrument especially when older as it wards of dementia.In your cycling club if you get more people to form a small band with singers even better.
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I ride Brompton,Hetchins 531