I don't have personal limits but I do have aircraft limits. In my plane the XWind limit is 25 kts.
Now, if I approach an airport with one runway 18/36 and the winds are reported as 270 at 26kts I'm leaving and going elsewhere. I'm not going to 'take a look'. It's a limit. Sure, it might be a notch lower, but it might be higher too. I'm not going to bust a limitation figuring out which one it is. There is no benefit. If I make it nobodies going to give me an award or republish the XWind limitations in the book. If ANYTHING goes wrong then I'm the donkey for busting the published limitation.
Same, I think, can be said for personal limitations. If a guy sets his limit at 15 kts XW then who can fault him for holding true to it and leaving when the reported XW is greater than 15 kts? Seems to me a dangerous attitude to set a limitation and then break it when conditions exceed it. What's the point?
I do see your point about growth, but I would suggest that the raising of personal minimus should be an activity done at home with reflection on rising experience and number and type of operations conducted. Not an on the spot in the air, 'well, the winds are strong and I'll bet it'll be okay. Let's see...' type decision.