You're doing this for enjoyment - not because it's your job and if you're not comfortable just have a cup of tea. It's different for instructors flying every day of the week but some people only fly once a month, i.e. could do 12 landings a year (or less!), and hence it's no surprise they're nervous landing in 15 x-winds.
Yep agreed, and the point at which it becomes stressful/frightening is the point at which it stops being fun.
Having said that I do try to push myself to fly in more 'sporting' conditions from time to time, as if you waited for CAVOK and light winds you'd very rarely get to fly at all. Currency is difficult enough to maintain in the UK, as it is, espescially after the abysmal couple of years we've had weather wise.