35 mph is the limit. I'm 98 lbs. and if I don't have much weight in my panniers, I feel alot more insecure in high headwinds/crosswinds....but it depends where I'm riding. If there aren't many cars, I will go at it for awhile.
But on a car bridge..it can be scary..and in our area we have enough bridges, with only some that have a barrier between self and car, with a narrow lane for bike. This type of precaution is noticeable after cycling and living in Toronto compared to Vancouver. Of course, Vancouver has milder weather but has deceiving black ice..
In quebec, I walked a bridge span with my loaded panniered bike from Isle d'Orleans over the St. Lawrence River...wind must have been around only 40 kms/hr. but that RAINY crosswind was scary and took effort to hold the bike straight just to walk down.