scott57;
the insulative barrier where i am up here in VT is something that should not be broken, so i suppose it's a different ball game where you are.
If you are using new 90 deg NM, then the temp rating thing is not a concern to your installation.
It is good , however, to hear a DYI'er pay close attention to detail.
The brunt of this thread deals with fixtures small diclaimers of wiring 1985 or before being suspect of lower temp ratings, thus an illeagal installation.
As the ratio of lighting fixtures manufactured VS remodels of post 85' homes has never been established we feel this is a problem.