I don't think the weather at the time I took my test was excessive or unreasonable, just a bit tougher than during most of the training I had done. Winds, ceilings, visibility, gusts were all above minimums. The sky was just a bit emptier, no training traffic only commercial operations like the C5 Galaxy I followed in on one landing.
I had had this examiner for my private and, like the examiner for my initial IR, he was interested in increasing my workload just when I appreciated it the least.
But, point taken, you are PIC for the flight.