Okay, but I think it would be a misunderstanding to consider that only the panel, breakers and conductors constitute an assembly that is listed for continuous use at 100% its rating, regardless of what someone is used to doing.
IMO, an assembly listed for this type of use would also include all the equipment and devices attached to the circuit in addition to a circuit breaker and conductors. As I understand it, this would require all components, conductors and connected equipment, etc., to be designed with terminals and connections rated at 90-Degree C.
Even though the circuit breakers are listed for use at 100% of their rating for non-continuous loads, aren’t most CB terminals only rated at 40-degree C ?