Last year i did a ride, I think it was about 20 mph. It felt like riding into a wall when we were going into the wind. Even down hill was a chore. After 20 miles of that, we turned around and went back. My legs were so sore from the exertion that the return with a tailwind was not fun. So wind is a heckuva lot more than "mental" if it's terribly windy, I won't do a long ride. On my commute, it's not so bad, because it's short and circular.