" If you have cabling that matches the Impedance load of the speaker and accounts for distance runs, you are fine."- there's no cable that matches the impedance of the speakers, it's a matter of not adding resistance to the load, whether inherently, or by becoming warmer from excessive current. The latter means it wasn't a large enough conductor in the first place.
The current on speaker cable isn't usually enough to cause a problem for the wire, the problem is when the speaker load becomes too much for the output devices and in that case sometimes, thermal runaway occurs with varying results.
I=E/R and at P=E²/R. 100W @ 4 Ohms = 20VAC, so at 100W, I/R= 20/4, or 5A. That's not a lot for 18 awg to handle, even less taxing for 12 awg. Power and length are everything, for this discussion.