So I am not the speed expert, but I believe that many would say a disk will make anyone faster...but in theory, you do have to be able to generate enough speed on your own for the wheel to Really kick it in. I have two sets of wheels I purchased used: a Zipp disk and 909 front and a pair of HED tri-spokes. I use and like both sets, but due to my comfort level, I do not use the disk if it is going to be windy (i.e. anything over about 10 mph). There are many women of all sizes who can and will. I have not practiced and feel 'blown' around enough with the tri-spokes. I would say race wheels are always appropriate regardless of race (i.e. location, distance, etc), you are racing! Like the thread on the main page, why would you NOT bring your best to a race? To me it is like saying, well the race is wetsuit legal and I want to race well, but I don't want to get my wetsuit out of the closet.
You can get lots of good deals on used gear, might be a good place to start if you are not sure.
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