As people have already said, winds affect bodies of water differently.
I primarily boat on the Chesapeake Bay. The Bay is a relatively shallow north/south oriented body of water 200 miles in length.
Long term weather events have a much larger impact than localized wind speeds.
Most right minded people typically don’t venture out in winds much over 10 kts unless out of the West. If your back don’t give out your stomach will.
The cut off limit for “leisure” activities in my boat is 15 kts, but I’ve fished tournaments in conditions no right minded person would dream of yet lived to tell the tale. I also know of people who went out in decent weather and didn’t make it back.
Most charter boats (40’+) if they don’t cancel outright, will ask customers if they still want to go out at 20 kts. Most will decline