It would seem Aurora make whole lamps designed to be covered with insulation which includes cooling vents from below and clearly since designed to be covered as Taylorwocities says no problems.
These
I can not see stopping a fire getting through the ceiling. Maybe they melt down in case of fire and seal hole but I would not feel happy with them.
However these
I am sure would stop the fire and your post could refer to either type.
Also the way you phrase it I assume only the insulation cap is Aurora and really the lamp under the cap needs to be designed so it can cool with the cap in place so they have to be considered as a matched pair.
The Aurora Adjustable Universal Fire Rated Downlight is rated as IP20 on the site I looked at with a warning not suitable for Zone 1 and 2 in bathrooms likely will be out of those zones but one needs to be aware of the limitations.
Why one needs a fire rated lamp where insulation is to be placed is another thing. In my bathroom above it is only the loft space and if the bathroom is on fire then stopping the fire reaching the loft is not really that important. However in the kitchen stopping any fire reaching bedroom is very important.
Remember fire rating is to stop spread of a fire not to stop a lamp setting things on fire.
Although it states 117mm clearance is all that is required it does not state that is the distance to flammable material so will need the triangle with F in it and cap on top sign to show suitable for flammable material covered with insulation. Regulation 422.3.1 gives a distance of 0.5 meters unless the manufacturer states otherwise to flammable material so in my house in bathroom yes I could fit in kitchen no the floor boards are too close to ceiling.
You ask for personal opinion and in my house with no insulation between ground and first floor I would not fit 50mm down lighters down stairs because of fire risk. But sons house with insulation between floors that insulation would stop heat from reaching floor boards so although not strictly to regulations I would not worry about fitting the special bottom ventilated versions.
Using the GU10 L2 version which can only take LED lamps I would fit in other houses. In my house the L2 is a pain in the neck and I would fit standard GU10 and never fit tungsten lamps. I can be certain I will never fit tungsten but in some one else's house when they see replacement price difference I could not be sure they would not use tungsten.
I repeat personal opinion and in general I don't like down lighters. I have one down lighter fitted in one bed room over the bed. In hind sight it was a mistake. The 2D lamp is far too bright even if only 11W other bedroom has pods on the wall GU10 and far better as can be aimed at book. Also much smaller only 3W each. Bathroom also has GU5.3 extra low voltage pods also a mistake I would today fit a flush ceiling lamp.
