I know it doesn't help the dilemma of a local flight...and I would hate to sound like a legal eagle (because I'm definitely not), but just wanted to mention/remind in case anyone had forgotten that the AIP ENR does mention that a PIC must provide for an alternate aerodrome if the crosswind or downwind component exceeds the maximum for the aircraft...like people have said it would be hard for an insurer to prove he magnitude of a crosswind...just thought I would note the point for anyone who was not aware...it would be good to know what the legality/weight of the term "demonstrated" brings to an insurance claim...not sure if it was stated earlier.