Are you sure of the "source" of the blood? I have had this issue a couple of times after a hard ride, but it was definitely not vaginal bleeding, after I "investigated" a little more seriously the second time it happened. It scared me to death, since it happened well after I was in menopause...
Get it checked, but it could be something totally simple. And yea, I had all of those disgusting peri-menopause symptoms from about age 38 to 48, when finally, my period stopped. I was thrilled.