The problem with common sense is that the sense is rarely common, and the common rarely sense...
I don't think there's one single approach to materiality that can lay claim to being "the common sense approach". If you want to charge it the other way, it could be a question of whether the laws are to be applied fairly and evenly throughout the game, or only as the ref sees fit!
The level definitely enters into it, but to keep this somewhere in the realm of realism - it's not going to happen at grassroots, and no-one's going to call it at higher levels unless it's clear and obvious. I'd say at higher levels the call would be expected.
I've played once in a gale that blew straight along the pitch, it was immense fun! There were grubber kick restarts, scrums back to the kicker's own 22 for kicked dead through in-goal, players getting blown over and you couldn't hear any calls from more than about 15m away. The last thing you think of doing when you're leaning into the wind just to stay upright is a 15m spin pass out wide, though... I'll leave that to the profs.