I've been pretty lucky in that I haven't noticed much of a problem, but then I take precautions not to let film get too hot for too long. I make sure it is in something that can insulate it. Same with cameras. I keep a cooler in my truck, with cameras and film inside another container. Still, on those rare occasions I haven't taken sufficient precautions, I have on noticed color shifts or extra grain maybe 50% of the time. I would question your belief that inside a car would only go to 100 degrees F. Even with windows cracked a bit, especially in Florida. I live in northern Virginia, The inside of a car will go easily to 125 or greater.
Repeated expusre to that kind of heat will take a toll on film.