Penko: Does a Captain with 1 hour in command automatically have a better ability to land in a crosswind? He has to get experience SOMEWHERE!
When the wind is above the FCOM or FOM limits, follow the rules. When within limits, make a reasoned decision based on current information.
I've let FOs land in 30+ kt crosswinds, because I recognized their experience and abilities. That doesn't mean I didn't guard the controls, give a helpful hint or 2 on the way down, or have a hair trigger on a "Go around" command...
For the OP, "surface wind" is that reported by AWOS, ATIS, or Tower. However, you also have to realize that if winds on the approach are significantly higher, you WILL run into a shear somewhere on the approach.