Correct. A garage is not a residence.
A way to make sense of this: The cable is always rated at 90A 'ampacity'. This means that the cable can safely carry 90A on a continuous basis without overheating.
A 100A residential service, with a calculated load of 100A or less, protected by a 100A breaker, is permitted to use conductors of 83A or greater ampacity.
The 90A cable doesn't magically become a 100A cable, rather a 100A service is unlikely to see 100A of loading for an extended period of time.
-Jon