Snork.... all mental? That's silly.
Two weeks ago we had 25 mph winds for my Saturday Saunter - the easy ride. I had about a dozen riders (?!?!?) ... and half of us actually rode to Tolono (half rode the 6 miles out to our first 'regroup spot' and turned back).
One thing we do is stop more often

On our Tuesday long ride when it's been windy we sometimes stopped every 3 or 4 miles.
I realized plugging along at 4 mph into it that, indeed, if I were doing an event that yes, I could have ramped it up to 8 mph and just kept pluggin' along. (I was thinkng of things like week-long rides where you reailly could just be riding into the wind for 70 miles.)
Today it was almost that windy and I decided we'd do a shorter ride adn stop at Espresso Royale at the edge of town and then head back. It was much nicer
Tomorrow is an event ride 22 miles out of town. Yea, I could scarf a ride but I am aching for a good long ride, so I'm getting up early to charge into the wind - but it should "only" under 15 for the ride out

Not bad if it sails me home at the 20+ predicted for the afternoon

And I *might* have talked somebody into riding out with me...
When it's 30+ ... welp, then I'd have trouble explaining what the heck I was doing out there if something blew into me and knocked me down and I landed in the ER. So sometimes it *is* just too windy.