Some guy who knows 'better' than anybody else decided that due to the minor likelihood that some cables under extreme circumstances might possibly be slightly more dangerous due to dubious research and possible flawed statistics that he would pass these regulations.

Dont flame me too hard. There are millions of miles of zip/lamp/unsheathed speaker cord installed in exactly such locations all around the world. If we were to believe the doomsday cults around here every building containing these products should be a smouldering pile of ash minutes after the systems are powered on for the first time.

My opinion. If you need to use fire rated cables to get an electrical pass on a job, then just do it. If it really makes a difference in the long run, I doubt it.