"annoying" - only if you choose it to be
"pointless" presumably the driver has a reason for driving at his chosen speed. Perhaps he feels the road conditions justify it. He may be a more perceptive driver than you
"obstructive" How obstructed can you be by a vehicle that is moving at 5mph less than the limit for a mile or two, bearing in mind all the other causes of delay you face in urban driving.
Vehicles exceeding the speed limit in urban areas cause an increased danger to other road users especially the young and elderly. That is why we have speed limits. Failure of many drivers to drive with care and courtesy in towns is what has led to the demand for 20mph limits
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