just to clear it up then no matter what reference method used always go with the smallest rating method!
ie if there was again two core and earth cable to run 20 mtrs cliped direct and 1 mtr to drop down to fuse board in a insulated wall the insulated wall factor would be the factor used?

sorry to drag this one out but i think the regs fall down on scenarios such as this especialy when there is such a diffrence in carrying capacities involved!