I am quite happy to be a fair weather cyclist. You only live once and I intend to make it last a long time so no need to take unnecessary risks.
I guess it depends on how you describe 'fair weather'
... If it's sun, blue sky, warm, no wind, no risk of rain, we wouldn't get too many cycling days in this country, decreasing as you head north.
My safe-ish limit for a cross-wind is gusts of ~35 mph as per the MetOffice website, haven't calibrated myself against the BBC wind predictions which don't show max gusts. Being picked up by the wind at a gap in a hedge is not fun.
For icy conditions, there are ice tyres
and for rain there are waterproofs, but strong winds are definitely the scariest for me, too
.
T