I don't think coming up to terminal velocity in atmosphere is really the concern. What's more interesting is getting up out of atmosphere, falling back down at

I don't think coming up to terminal velocity in atmosphere is really the concern. What's more interesting is getting up out of atmosphere, falling back down at a speed that's many times higher than terminal velocity, slamming into atmosphere at that speed, and then dealing with the reentry heating and other forces that result from that.