I hate wind. Recently got caught in sustained 30-40 mph headwinds (which included going up a big steep hill) and it almost made me cry. Gusts of about 60 at the top of the hill across the lake. I will venture out in, say, 15-20 with gusts to 30, but I don't like it. The problem is around here the weather can change so fast, it can be nice when you head out but then it comes out of nowhere. Also lots of shifts in direction, such that you can have a headwind around an entire loop.

Not that I've ridden in this, of course, but at work right at the base of the mountains we've had 96 mph gusts where you literally can't open the door. I'm not exaggerating, I work next to an NWS station, its measured and documented. Luckily that's a very rare occasion.