Actually, wind drag becomes significant enough to make a difference above about 45. There's a cool chart on
this page showing how it's not linear... Above 45, the wind drag becomes more significant than rolling resistance, and the faster you go the more drag there is, and it's climbing faster as you go faster... (Rises with the square of speed, not linearly.)
I've heard people say 65 or 68 is the cutoff, and that's misleading, or even just wrong. The question is where the point of diminishing returns lies for you and your vehicle... If you're willing to lose a half a mpg to go 65 instead of 60, but not willing to eat 1mpg to go 70 instead of 65, then that's where your cutoff is. That cutoff is different for every person and ever vehicle, but the more aerodynamic the vehicle, the higher that point will probably be for any given person.
And your theory on Semi trucks and buses is flat out wrong. They have HUGE aero drag, even at 55mph. That's why you'll see skirts and those crazy back door aero panels on semi trailers, wheel covers on buses and semi trucks, etc. Many companies have mandated max speeds for fuel economy, not safety. School buses perhaps not as much a concern, since they're not going so fast, but OTR trucks and buses do everything they can to gain MPG.