Of course I've been up all night! Not because of caffeine, it was insomnia. I couldn't stop thinking about coffee.
I believe there is a typo on page 5, the first sentence in Phase 3: Roll Dice.
Your Initial Speed determines how many dice you have to roll.
It is your current speed, or simply your speed, that determines how many dice you roll. Not your initial speed, which may have changed in Phase 2: adjust initial speed.
Maybe I just have an earlier version of the rulebook.