In practice, equipment with 90C terminations is rare. Most equipment you'll find in reality, has 75C terminations. The entire assembly has to be listed and labeled for 90C terminations, not just the lugs on the device. It is very common that lugs carry a 90C marking, but you don't necessarily get to take credit for it.
You can use the 90C ampacity values for terminations if you terminate on separately-installed connectors. This does require it happens in an otherwise-empty enclosure, with all wiring and connections within it rated for 90C. One reason you might do this, is if you are recovering from a mistake. Another reason is a value-engineering decision, so the majority length can be reduced by a size or two. I would expect that voltage drop would become significant enough to not do this, any time there is an advantage to the extra complexity. Thus, it is more of a value-engineering option that exists in theory, that I expect to be rare in practice.
The most common value to the installer of the wire with a 90C-rating, is that it gives you headroom for your derate calculations. I.e. ampacity adjustments for conductor bundling, and temperature corrections. These calculations don't apply to termination ampacity, but just for the wire ampacity. As an example, consider a 60A circuit with a 0.8 derate for bundling and 0.96 derate for ambient temperature. This means #6 Cu wire has a derated ampacity of 57.6A, and a terminal ampacity of 65A. This can be protected by the 60A circuit per 240.4(B), assuming there is 57.6A or less of full load on it (which there probably is). If you had to start this calculation with the 75C rating, you'd have to upsize it to #4 Cu. The 90C rating lets the #6 Cu wire be OK, because it gives you headroom for this calculation when starting with 75A instead of 65A.
For over 100A, 75C is the default rating. For 100A and less, you have a burden of proof if you want to use the 75C terminations, but most of the time, you will find 75C terminals in practice. The default is 60C for 100A and less. It is usually academic examples where you encounter the need for 60C termination sizing, since equipment listed otherwise for 75C is most common. Certain cable types like NM cable (Romex) require 60C terminations.