I learned that if I terminate a wire with insulation rated for an ambient temperature rating of 75 degrees C. to somthing like a breaker rated 60 degree C. I have to size the wire to the 60 degree C. Colum of 310.16

Can someone explain this this to me? How dose the terminal change the physical properties of the insulation?

I have asked this quistion since the code change went into affect and no one can seem to give me a streight answer. It seems to me someone confused ambient temp. with accual operating temp becuase thats the only way it makes sense.