Insurance needs a separate topic (please don't start one .....)
I consider hugging a ridge only 25% of the free flying envelope. Thermal flights offer so much more enjoyment, challenge and excitement. (acro is another topic also…) 20mph is also not that strong. Although I have a 'personal' limit of 20mph on my PG on take-off, I regularly see pilots launch their PG's in lulls when gusts are to 27/28mph (more when it's thermic). I have been on PG bar to keep penetrating ridge runs a few times, so it must have been at least 25mph in the air. I also once witnessed a lady comp pilot launch her 2/3 in winds above 30mph from Frocester (yikes!). The SA record breakers are not put off by 35mph ground speeds from their winch launches (they ascend backwards ....). I also see speed wings doing very well in high winds, but their efficiency is variable.
Wing loading/sizes are crucial when comparing wing speeds. They have to be very similar; else the results are nonsense, as is the comparison of wing speeds at different ENC classes.
Richard