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The reason the average of the average speeds isn't the overall average speed is because the journey time isn't the same there and back . . . . but the distance is, and that's useful if instead I use the reciprocal of the rate.
Speed is a rate (the rate at which distance changes as time passes) and any rate can be considered in it's reciprocal form (the rate at which time passes per unit distance)
The distance is the same so adding the reciprocal of the speeds and then dividing by two does give me the reciprocal of the overall average speed.
and this gives the answer 75 mph too.