Insurance issue for >5kt wind? What a crock. I'd say more like incompetent instructor issue. They're not doing you any favours limiting you to just 5kts of wind. Jeez, I've sent people 1st solo in that!
Anyway, even in summer it's possible to find good flying weather in the subtropics. Be at the airport in time to start engines at dawn. Not 0700, 0800 & the like but engine running at 1st light.