I am quite aware of thermal overloads, They are listed as a 49 type device, and we test them frequently. I was fishing because there is a world of difference between a 240v table saw, and a motor on a 480-600V MCC with overload protection. I.E..."HEATERS"
I believe the OP was talking about residential single phase wiring. Does the 240V 100 amp breaker circuit you describe offer the homeowner thermal protection? Or should you fall back to the "Size the conductor to the FLA expected, and the breaker to protect the conductor?
Not trying to pick a fight Buickanddeere, but I believe your info is more for a business than a homeowner.