They have to be fire rated when they are being fitted in ceiling which is separating 2 fire zones. This is normally not required in your average 2 storey house, but the fire rated fittings also have a degree of sound proofing, which is needed whan your are decreasing the sound proof of the ceiling ( ie cutting loads of big holes in them ).
I always use the fire rated ones ( you can get them quite cheap now ), unless in a suspended or lowered ceiling maybe.
People seem to think that you have use E.L.V spots if in a bathroom, but the way I understand it is that if the ceiling is higher than 2.25m then mains voltage can be used. Which I prefer as there are no trannys to worry about.