If you look at the temperatures, running conductors at their maximum, in a 30 degC ambient, will result in 75 DegC at the termination of the OCPD. The OCPD manufacturers are not comfortable with that much heat on the terminations. After all, their devices are typically thermal devices and too much heat on the terminal could result in the OCPD tripping at a lower level. Last time i calculated it, when 125% conductor size was used, resulting in 80% current and 64% heating, the resultant temperature at the terminations was about 60 DegC. A 100% rated breaker is built so that it will trip at the correct level with the terminations at 75 DegC.