@gbs42 are you on any blood glucose lowering medications? If not (and even if so, though you may need to change dosage in that case), then I'd probably fuel as per a normal person (but not a World Tour rider!) and start at the lower end with say 20-30g of CHO each hour. You could almost certainly get away with less though and probably skip any fuelling in the first hour or two without any undue effects.
I don't eat gels and the like, and prefer cheaper and more palatable (over longer duration) foods if possible - e.g. granola bars, biscuits, ham rolls (for long rides), Skittles if required for BG control and/or hills.
If I ride during the day I would typically tend to eat e.g. a Nature Valley bar (~25g CHO) about 2h into a ride, and then if it's a bit hilly will eat a pack of Skittles (17g CHO) in advance of anything prolonged. For long rides it all changes and I will need to start eating fairly constantly (~60gCHO/hr) eventually (as well as reducing basal) after say 4h, but for <=4h the above would usually be enough.
In the morning I typically ride nearly fasted (a few cups of coffee with milk) to work (which is either ~20 or ~40km, depending on which location I'm heading to) and this is fine from the point of view of not needing to balance bolus insulin vs FotF + breakfast, however, it does mean I need to be a bit careful about power output and I'm not looking at setting records going up hills. I'd probably not start by doing this though, as it was pretty hard work to begin with!
We're all different though, but I'd be tempted to start on the lower end of carb intake and work up rather than vice versa!