I think that so-called "grammar rule" is either stated poorly or perhaps inaccurately. In short, I am unaware of any such grammar rule as stated in your question.
Both of your example sentences are very much conducive to the use of the simple present in both of their clauses. And, to me, this is true even when the action (wind blows or you smile) is taking place at the moment of speaking.
In broad terms, the simple present refers to the present, but also indefinitely into the past and indefinitely into the future. So it is used, among many other things, for statements of scientific fact (Water boils at 100° Celsius) or "timeless truths (Snooze, you lose or Old soldiers never die, they just fade away. Notice these sentences are true not only for the present, but also indefinitely into the past and I indefinitely into the future.
Both your sentences fit this usage. They are statements of what is true all the time. So they seem preferable to me than does the use of the progressive.
In addition, even if the event (wind/to blow or you/to smile) is happening at the moment of speaking, the sentences with the simple present are more apt to be said than the ones with the progressive (in my experience). This is because the present occurrence of the action is merely one instance of this timeless truth.
So, the following illustrates this:
Our house gets really cold when the wind blows from the east, like the wind is doing right now.
Notice the added clause shows the activity of wind/to blow is happening at the moment of speaking yet the two clauses in question both use the simple present. Yet the is doing refers to the action occurring at the moment of speaking. It would be strange to say like it does right now to refer to the action of the present moment.
You look lovely when you smile, like you are doing right now.
shows that the first two clauses can refer to a single occurrence of the timeless truth that is happening at the moment of speaking. While the are doing is progressive because it's referring to the action as a duration occurring in the present. And note this duration is temporary, so it extends only a little bit into the past and future, but not indefinitely into the past and future (like the simple present does). Note also the action expressed in the progressive is subject to change
You look lovely when you smile, but when you are frowning you don't (look lovely).
Here the action of to frown is conceived of as a temporary duration subject to change. You could say
You look lovely when you are smiling
but again this conceives the action of you/to smile as having duration and being temporary and subject to change, and so it does not express a "timeless truth".
I apologize for the lack of comprehensiveness and perhaps even clarity in this post. Hopefully it has given you something of value.