When talking about crosswind limits, what you need to remember is that the manufacturer of an aircraft is legally required to demonstrate a landing with a crosswind component that's an x percentage of Vs0 before the aircraft can be certified. If the aircraft has a low Vs0, the demonstrated crosswind capability will therefore be relatively low too. And that's the number that goes into the POH. Even if the aircraft is perfectly capable of handling a far more severe crosswind. Even with only moderate pilot technique.
On the other hand, if the club (either because of insurance or other reasons) sets a crosswind limit, then that's just that: a limit. Suppose the insurance has limited the x-wind component to 15 and you prang the aircraft when the x-wind is reported to be 16. Or 17. Will the insurance pay or not?