Also the 125% rule has to do with the breaker.
Breakers are designed to carry 80% of there rating for at least three hours. If a breaker carries current close to its rating for to long the breakers overload will get to hot and trip.
That's why the 125% rule does not apply to the conductor's ampacity, and the branch circuits grounded conductor if the breaker and assembly is rated to operate at 100% 210.19.(A)1 exception 1 & 2
Also the 125% rule does not apply to the overcurrent device if the breaker and assembly is rated to operate at 100% 210.20 (A) exception