Hi,
You said it best ie 'better to be safe than sorry...'
However, if others (esp. instructors) have been flying before your flight and have just landed -always good to ask them what they thought of the weather.
Last nav trip I took, I was concerned about the winds being 23 kts and almost at 90 degrees to the track/heading. Spoke to an instructor before leaving, who said it would be bumpy but that I should be ok.
...Turns out when I got up there the winds had almost totally dropped.
I still do get some agnst before leaving if the weather is not as nice as I would like but oh well... I figure, once airborne, if I dont like it, I'll return to the circuit and land.
Regards.
Has.