I wonder if I use LED or CFL bulb, would I be able to have insulator contact with the non IC light? I assume LED and CFL will generate much less heat.
With CFLs and LEDs your wattage and hot spot temperature should be way less. And if you use a muffin fan you can get even smaller temperatures.
In my case, a 200W max flush mount ceiling fixture required 90C wire so I labeled it for 100W max which I figured would give me a 60C max wire temp, based on the thermal resistance path from bulb to box wiring.
I brought up this issue with UL. They knew what I was getting at but refused to bless it and objected on the basis of the label not being permanent or falling off.
But, practically, I think people every day exceed the fixture rating. The 60C wire insulation just gets brittle faster than the 90C wire would.
Sort of related: IKEA was selling a 13W residential fluorescent bathroom fixture with 105C wire [I opened the package to check for this] and so I called UL to ask how such a small fixture would need wire with such a high temp. rating.
And it was wall mount so the heat went up, instead of horizontally into the junction box.
They told me that 105C wire is only for commercial applications and I should go back to IKEA and "investigate" this. Sure, if they would write me a check.
I'd also like to have a badge!
If you don't own an independent testing lab you may be taking a risk. And even if you have a fire for other reasons the insurance company may want to hang the root cause on this DIY job. Who's to stop them?