One of the things that I love about flying is the constant worry about what the insurance company might say. I don't know who others insure with but my insurance company put no restrictions on anything I do. I have referred them to the comments on these forums a number of times and they just laugh. Haywards have a simple view, if the aicraft and pilot are legal then they will insure to an agreed value. They charge a premium based on risk.
As far as the 172 is concerned I can assure you that at 30 kts across the runway there is still enough rudder authority to land with ease. I would never get to go flying in the winter at our place if I spent my life interpreting the POH for some restriction that is not there trying to satisfy some imaginary insurance company restriction.
I really do believe that a lot of people hide behind "what ifs" to avoid having any fun.........