There are two things that need considered when determining conductor ampacity, termination temperature rating and insulation temperature rating.
For the most part you will seldom if ever run into 90 degree terminations, so even if using conductor with 90 degree insulation you still must use minimum conductor size from the 60 or 75 degree columns in the ampacity table.
Now lets say you are running a circuit through a high ambient temperature area and/or have more than three current carrying conductors in a raceway. It is adjustments for these kinds of factors that allow you to derate from the 90 degree values in the ampacity tables.
To come up with final conductor selection size, use the larger of the conductors determined needed for termination temp or for insulation temp.
An example - we have a circuit requiring an ampacity of 52 amps, 8 AWG 90 degree copper conductor has an ampacity of 55 amps, but we also have to consider terminals on our equipment are likely 75 degree, that means the minimum size conductor needs to be at least 6 AWG, because that is smallest conductor in the 75 degree column that is 52 or more.
Now lets assume same conductor requiring minimum ampacity of 52 and put it in a raceway with 10 current carrying conductors. We are allowed to start ampacity adjustments at 90 degree ampacity levels because it is the insulation and not the termination that needs adjustment. So we still must have at least 6 AWG minimum for termination rating but with 10 current carrying conductors we have a 50% ampacity adjustment factor - which results in 6 AWG having a derated 90 deg ampacity of (75 x .50 =) 37.5 amps. That is less than the needed 52 so we must select a larger conductor. (6 AWG is acceptable for the termination temp but not the insulation temp in this case) A 4 AWG 90 deg conductor also results in less than 52 after adjustment, but a 3 AWG is (115 x .50 =) 57.5 which is equal or greater than the needed 52 for our application.
It is possible and often happens where the ampacity based on insulation temp will result in a smaller conductor being allowed, but you can never go smaller than the size determined by termination temperature.