double boiler (temp?)

The temperature is less of an issue. The water is at the point where it turns into steam (if you are working with boiling water, some techniques go for barely simmering or just very warm water), so that the water and the air/vapor mix is pretty much at the same temperature, give or take a few Kelvin.

But there’s a huge difference in specific heat capacity. Water can store a lot of thermal energy, gas can’t. That corresponds to heat conductivity:

When your upper bowl doesn’t touch the water, it can absorb only a relatively small amount of energy from the vapor per time, then it cools down the vapor which has to be heated up again. So the contents of the bowl will warm up slower, giving you time to stir and ensure evenly rising temperature. (Remember that the top of the bowl is touching room temperature air.) Whereas when the upper bowl touches the water, there’s a huge thermal mass that can give you a much larger flow of energy to the bowl, which can overheat the food or create local hot spots (at the bottom), simply because it gets heated too fast, so that e.g. egg dishes get fully cooked or curdle.

You seem to be mixing up a double boiler and a pressure cooker. The articles you read are correct - the temperature in the double boiler is lower when the inner vessel does not touch the water.

First, in a double boiler, the steam-air-mixture will not get above 100 C. Instead, the steam will expand. This is why you see a cloud of vapor rising out of the double boiler. And new, cold air comes in, so you don't even have a 100 C steam, but a below-100 mixture of air and steam.

Second, the food does not touch the steam. It touches the inner vessel. On the outside, the steam touches the inner vessel. But it is not simple conduction of heat that happens on the boundary; the steam also condenses on the surface of the inner vessel, which uses up a lot of energy, and reduces the temperature of the inner vessel. (This is also why steaming is a slower cooking method than boiling).

Third, I am not entirely sure what the temperature equilibrium of a double boiler would be - whether it is very close to 100 C, or noticeably below it - but you usually don't cook in a double boiler at equilibrium. It heats up slowly (see the above two points on heat transfer) and that time allows you to heat your food very gradually. If you were to hang the inner vessel directly into the water, it would soon come up to 100 C (especially the thin steel vessels that are frequently used for double boilers) and then the bottom of your food would be prone to overcooking. In such a case, you can just about save eggs, if you stir or whisk them with sufficient intensity, but any chocolate will distemper badly.

So, in summary, if you want your food to get heated slowly, don't let your double boiler's inner vessel touch the water.