I think you are saying the same thing as the rest of us, just in a different way that is somewhat confusing.
The temperature ratings are _maximum limits_, not requirements. A 60C termination is limited to operating at 60C or less. A 90C wire is limited to operating at 90C or less. A 90C conductor will safely function at a 60C operating temperature because 60 is less than 90.
So if you have a 90C wire in contact with a 60C termination, you are limited to operating with a conductor current which will result in at most 60C operation at the location of the termination. The 60C termination requirement sets the maximum current you are permitted to run in the conductor, and the 90C wire is perfectly happy running at 60C. This isn't 'derating'; this is selecting the temperature limit for all components involved in the circuit at that location.
If you have 90C wire in a conduit with a 60C temperature limit, then again you are limited to the 60C ampacity because your conductor temperature must be limited by the most restrictive component in that location.
-Jon