Zwift
The busiest virtual world, and the safest first pick if you want company. Zwift has a race, group ride or structured workout at almost any hour, with a racing matchmaking score, a team league and pace-bot group rides running around the clock. The base membership is $19.99 a month or $199.99 a year, with a 14-day free trial on monthly plans only.
Zwift Plus, at $29.99 a month or $299.99 a year, adds Zwift Coach, a plan that reworks itself when you miss a session or ride outside, plus 21 filmed routes. Those video routes have no races or meetups yet, so Plus mainly suits riders who want the adaptive plan.
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