Closer to 200C. But the gantry constraints movement, the 200C nozzle can only really touch its holder, the print bed, the filament and some metal or silicon cleaning surfaces. None of those are flamable at those temps.

Maybe if it knocks itself down to the ground? But I worry much more about faulty wiring or stuff like that. And that's more a function of the brand and model

It could be enough if the nozzle just stops moving while touching the model being printed - based on the type of material, it might start burning.

And if you want to be outright malicious, you can disable maximum temperature control and do the same with much hotter nozzle rammed into the model - and even print an extra burnable model when you are at it!

Or count on the power supply or the wiring catching fire instead due to overload.

All of the fires I've heard about 3d printing involved sketchy power supplies in some of the printers or DIY builds out there. Thermal runaway protection is really easy code to write and very common in firmware and the thermal design of the heated parts makes it hard to get there.

Not saying fires don't happen that way but let's say it's a failure mode that is a challenge to achieve intentionally much less accidentally.