Most of the time it's relative to the body of water your fishing. Over here Sardis lake will get to rolling pretty bad with a east wind that does not have to be all that bad and can be very dangerous. Most of the time I'm like Arkcrappie, got the stuff to stay out with but I usually won't go out if any mention of 20. More than I want to start with. One thing about pulling chains, make sure you use a weak link to hook it to your boat. Need something that will breakaway if it gets hung in a strong wind. You may not think so but it dose not take much to sink your boat if it hangs long with big rollers coming over your stern. Put a float on line hooked to anything your dragging. That way if need be you can cut it loose and go back and retrieve later.