Read NEC 110.14(C)(1)(b), where the conditions give you 75C as the default rating. It indicates "equipment rated for circuits over 100A", rather than circuits rated for over 100A. It also states "or marked for conductors larger than #1".
If you have a 125A panelboard, and you are only connecting a 90A circuit to supply its main lugs, it is still equipment that is rated for over 100A, and therefore has a 75C default rating. You don't have to fully utilize its 125A rating, in order to take credit for 75C being the default. Once equipment is rated for over 100A, and has a 75C rating, it has that 75C rating even when its ampacity is only partially used.
Most equipment 100A and larger will also have terminal provisions for up to #1/0 or possibly larger, which is another reason why it would have a 75C default rating. Given the same terminal that can take both aught sizes and gauge sizes, that particular termination has the same terminal temperature rating regardless of what size you connect. If it is rated for 75C with 1/0 connected, then it is also rated for 75C when #3 is connected. That is, unless the product instructions specifically tell you otherwise.