Summer in San Francisco means I typically have a 15-25 MPH headwind on part of my way home. On parts of the ride, like over the Golden Gate Bridge, this wind is often a sidewind, which I almost hate more.
The WORST I have cycled in was earlier this year when it was blowing a pretty steady 25 with gusts up to 40. I rode with a coworker so we could take turns as wind blocker, but it was still a tough ride. A gust completely stopped me once while around the towers of the golden gate bridge.