"Dealers" is actually breakers.To add one more thing, remember that the breaker is calibrated at 40degC. Breakers are often located in 25 degC or even less ambient temperature which essentially moves the trip curve to the right. Thus a 20at breaker will end up being a 22at breaker, a 15at breaker 17at.
Often times it is thought that this is treated as an exact science when there are so many variables that one has to wonder how the wire is ever protected even when wire derating factors are taken into consideration.