When do you guys say no?

[FishermanTim]

Just heading out in decent winds and waves can be daunting enough, not even considering that a good fish will pull you with AND against the current and wind, creating a whole other scenario to deal with!

[hq2]

Usually anywhere from 10 to 12, depending on conditions (lee shore
or not). Over 15, never; can't paddle sideways, and the waves
are usually too high. Under 10, almost always, unless the forecast
calls for 2 foot waves or higher.