I know that the OP's post is with reference to a residential application but 100% rated devices were brought up and needs to be clarified.
The 100% rule is often hard to understand. It should only be considered with industrial commercial breakers where 100%rated breakers are available. If applied correctly it may allow smaller cable to be used which can allow a smaller frame 100% rated breaker which could mean a lower overall cost. But for residential applications such as referenced to by the OP 100% rated devices are not available. But the following is where 100% rated devices can be benificial though:
"NEC 210.20(A): Where a branch circuit supplies continuous loads or any combination of continuous and noncontinuous loads, the rating of the overcurrent device shall not be less than the noncontinuous load plus 125% of the continuous load. Exception: Where the assembly, including the overcurrent devices protecting the branch circuit(s), is listed for operation at 100% of its rating, the ampere rating of the overcurrent device shall be permitted to be not less than the sum of the continuous load plus the noncontinuous load. otte: NA continuous load as defined by NEC Article 100 is ?a load where the maximum current is expected to continue for three hours or more.? This exception can be expressed using the following formulas: Standard 80%-rated design Noncontinuous load + 125% of continuous load = total minimum load Special 100%-rated design Noncontinuous load + continuous load = total minimum load Notice that the exception refers not only to the breaker, but also to the entire assembly. Since most manufacturers do not label their enclosures at 80% or 100%, the enclosures must either meet the minimum enclosure size and ventilation requirements spelled out by the overcurrent device manufacturer or have the system tested by UL for 100%-rated breaker operation."
Please note the wire size is chosen from the 75?C column of table 310-16 but rated wire with 90?C insulation must be used.