OUt here, if you don't ride in the wind, you don't ride.
TOday's "Saunter" ride was in I think 13 mph winds. I've done 20 & 25 and still had a reasonably good time. Couple of SUndays ago I called a ride and rode out there - the prediction was 20-25 mph and I said people could ride behind me - and thought it was pretty hairy in town... and we went 3/4 a mile towards the prairie and I just figured it was too gusty for stability.
Got home and the weather channel said the wind was 45 mph, gusting to 56. Holey Cow!!! I didn't feel like a weenie then...
... My reality criteria is that if I would be embarrassed telling somebody in the ER why I was out riding *voluntarily* in the conditions that put me there, I should go back home. And I"ll ride one of my heavy bikes and not in a group.