You don't choose the caps temperature rating strictly by it's max operating environment in your application. You choose it based on how long you want it to last.All of the replacement electrolytic caps I ordered were small and rated for 105°C even though the enclosure doesn't get much above ambient.
Electrolytic caps are rated in terms of hours per temperature, like 2,000h/105 °C. Which means that it's expected lifetime is not very long if you actually use it at or near 105 °C.
But there is what's known as the 10°C rule which states that, for every 10°C drop in operating temperature, you double the lifetime. So if you take that same 2,000h/105 °C capacitor and use at 35°C, that 2,000 hour scales up to 256,000 hours, which is ~29 years.
For more info see https://en.wikipedia.org/wiki/Electrolytic_capacitor#Lifetime