Forget the wind/disk urban legend. Just wipe it from your mind. 
It doesn’t exist.
Crosswinds only affect the front wheel since that is where the bike is steered and due to fork angle a crosswind creates an imbalance.
You can ride a disk is conditions far beyond what a race director would be able to keep the race going…
FWIW my wife (under 130lbs) rides with a disk cover. She can’t even tell the difference and we live in Oklahoma (i.e. it’s pretty dang windy here at times).