Im a catastrophe adjuster and I can tell you, all Citizens will ever do is collect outrageous premiums and try to never pay you a dime.
You're correct that wind speed doesn't matter if you receive damage. Many shingle roofs couldn't handle the wind speeds in the 2005 Florida season. Barely pushed 100 mph in areas. I read that some insurance companies were not going to cover fiberglass shingle roofs over ten years. After that the roof become brittle and is not covered by the limited wind speed warranty. http://roofing.owenscorning.com/homeowner/shingles/weatherguard-hp.aspx Having to replace a tile roof due to Citizens requirements is too costly for most. Florida is cooked.
The manufactures limited wind speed warranty is barely worth the paper it's written on, there are a few companies who honor their shingle warranties but most don't.