You just need to be able to afford it, and have the ok to install from the landlord, HOA, whatever, or actually OWN the place. Imagine...
In my opinion, this is an incredibly stupid design choice.
After being once caught by surprise, now I check carefully for a specified working temperature of at least 40 degrees Celsius, whenever I am buying any laptop or desktop computers.
This, for example, disqualifies all Gigabyte small computers. Moreover, any computer which does not specify explicitly the maximum working temperature must be automatically disqualified, because it is overwhelmingly likely that it has been designed for 35 degrees Celsius and not for any higher temperature.
Some computers are guaranteed to work normally up to 35 degrees Celsius and to work with reduced performance between 35 degrees Celsius and 40 degrees Celsius, for instance many Intel NUCs. This is perfectly OK.
A while ago my laptop started running around 10°C hotter than it should have - turns out the iGPU was going wide open throttle for no apparent reason.
What I found was that CPU-intensive tasks slowed down as well, because those 10°C make a huge difference in terms of when the CPU starts throttling.
I wasn't bothered by this too much, even though I had to disable turbo altogether, until the first heat wave of the season hit - +10°C from the iGPU combined with +10°C from the heatwave slowed the device to a crawl - it was the first time I briefly saw it hit 102°C - that is actually above the usual safety threshold.
I think people in different climates either have A/C or are used to different levels of performance.