I have no doubt ECT is the main reason some 100 series boil fuel, at least first time. These do not boil fuel from factory, nor do all built rigs. But along the way, age and use take their toll.
I've also no doubt built rigs run hotter. That armor holds in more heat (traps). But they can take it!
IMHO: We have one of two incidents or both create problems, or so is my current thinking

.
1) We overheat. Causing fuel to also boil by heat transfer. This may or may not cause other systems like EVAP to be damaged
2) We flood charcoal canister. This can be from above overheating of engine, overfill gas tank or possibly filling on hot day with cold fuel than ascending mountains as fuel heats. The issue of damage is more in 03-07. Before then, with charcoal canister still up front like in the 98-02, rather than near spare tire, it is less concerning we've damage occurred to EVAP. But damage can happen to all.
Why don't we get EVAP code (DTC)? IDK, as we should!
So lets for now assume we had incident of fuel boiling. We take measure like coolant service and tune (get basics inline), reduce heat transfer (heat shielding), use special fuels (low OCT or pure gasoline, etc). For some this works well, especial getting basic in-line. For others nothing seems to help!
I just found one that has head gasket leak. It likely had overheat badly at some point. It's now running hotter than should, even after coolant service and tune. So, in some more than just basics needed. But what about others, with no engine issues. They just keep boiling! WHY? EVAP perhaps!
Since I started looking at this issues of fuel boiling. I felt secondary EVAP damage may have occurred. I now suspect it is the charcoal coming out of canister into system. Some months ago a post showed charcoal is getting into EVAP lines. Guy said he's found ~1/2 dozen (IIRC) or so Toyota's in junk yards with this issue of charcoal in lines (had pictures, non 100 series). Implication was vehicle scrapped due issue of driveability or engine running poorly unsolvable. So once all is tried and still boiling and running hot. We need to see if the charcoal is in the EVAP lines and or valves, correct and see what happens.
I may have just found one. An 05LC not built, doing this. I say this because I smelt a vapor. Not "fuel vapor" but a strange smell I can't describe. ECT was steady ~194F -196F (196F at stops). Running both AC 's on max, OAT 98F, sun, late afternoon (hot asphalt), stop & go traffic. It jump to 199F while parked after driving about 1/2 hour, idling in the shade. I smelt something bad and got a little lightheaded. I moved the vehicle, smell flowed me. Gas cap area is indeed crudy. Vehicle had been jumping over 210F w/OAT of 80f before coolant service and tune, which included new OEM radiator. I strongly suspect this is damaged charcoal canister, but no codes. I will be looking closer at head gasket, but some area so hard to see. If time I'll do some other testing for possible head gasket issues.
I hope to have opportunity in the fall if not now, to investigate. There is also an 06 that came to me last year, I hope to see back, if he has issue this summer.
Side note:
Interesting support evidence, Armor does hold in and heat.
I did a some testing last few days, with ATF temp. I'm working on 07LC w/101K, one of my favorite rigs of all times. Slee under armor (#1, #2 and belly pan), lifted, bumpers, winch, over sized tires, etc. Sees tons off off road use, all over the USA for last 2yrs/ ~40K since built. NO overheating reported or fuel boiling, nor signs at gas cap (dirty mucky area, once boil occurs repeatedly).
I shot transmission pan with IR gun while #2 skid & belly pan in place, while in shop. Next I removed #2 skid, doing a full transmission flush. I shot transmission pan again with IR gun, room temp the same. I was shooting with IR temp gun close to pan, ~4" each time.
I found IR gun temp reads ~2f higher than techstream ATF #1 & #2 readings, with #2 skid & belly on
With #2 skid off. IR guns reads ~5f lower, than Tech streams.
Doing ATF level check ECT at operating temp #2 shid off: IR gun ~96F, Tech stream 101.5F ATF #1 & 101.7 ATF #2 temps.
I can't say this means ATF fluid gets hotter with Armor, but likely does. I can say bottom of pan does.