(1) Was the wire rated for 90C? That is 194F…so the wire may be 44*F below its maximum operational temp. Being electrical, there probably is a good saftey factor in that temp.
(2) In electrical as in HVAC, the concept of diversity is used in designing codes, loads and demands. Is there even a slight chance that all the appliances, AC, bath fans, all the lights, vacuum will be on at the same time? For example, in our codes with a house with individual baseboard heaters, a circuit fed with #12 AWG can have 4,800 watts of heaters potentially drawing 20 amps at odd times but… the code talks a lot about designing for 80% loading in many instances.
(3) In this case where you have no temperature difference on the 2 conductors probably indicating a balanced circuit/load distribution on both legs of the service, I may have done a demand/load calculation…it may have met code requirements for sizing.