legal but not-very-proficient pilots
This is exactly why the brain is the most important
piece of safety equipment ever invented.
Every pilot, before a flight, has to decide whether
or not there is any portion of the flight which (potentially)
exceeds either his, or his aircraft's capabilities. If so, don't go.
Some people believe this sort of pilot decision making
is a bad idea, so they invent tens of thousands of regulations
that no one understands to try to deal with every possible
situation. Which is of course foolish.
This is not rocket science. For example, if you are a new
PPL with 50 hrs and a 172 that you just purchased, you
probably don't want to go flying when the wind is 15 knots
across the only runway.
I personally don't think we need a complicated matrix of
rules setting out the allowed crosswind component for
pilot experience for each type of certified aircraft.
Instead, use your brain. Make a decision. That's why
you're PIC.