** student alert **
As a student I'm seeing it as the "really think about it seriously number". In fact I scrubbed a lesson last week, the instructor said we could fly, but he might need to do the landing, and at the minute I am training my brain to say "no" sometimes, which isn't easy when you're a student.
My view, when it's slightly over the POH speed for a C152, its still flyable, just not for me with my level of skill right now.