Sn60Pn40 solder melts at 188°C. The excess temperature of your soldering iron bit over that (or of the melting point of whatever solder alloy you are actually using) provides the temperature differential needed to get enough energy to melt the solder into the joint. A greater differential melts the solder faster.
Thermoplastic insulation is often damaged at much lower temperatures than the solder melting point. e.g. for PVC it typically softens around 90°C, starts to decompose around 120°C and melts at around 140°C. Therefore *ANY* temperature hot enough to solder will damage the insulation, the extent of the damage depending on how long its above 120°C.
It may seem counter-intuitive, but a soldering with a hotter bit often does less damage to the insulation when in the hands of a competent user. The solder melts faster, and the flux is more active so the dwell time on the joint can be drastically reduced, reducing the time the wire is above 120°C.
For a point of reference, Weller TCP series irons, (which used to be the workhorse of manual production lines and the service industry for many years before affordable variable temperature soldering stations), come with a 700°F (~370°C) bit as standard. I wouldn't recommend going significantly hotter than that, and for small, low thermal mass joints, especially SMD parts, you can run a lot cooler without significantly increasing the dwell time required to make a good joint. However Veroboard has relatively wide and heavy copper tracks, and doesn't have any tin plating to aid wetting, so too low a bit temperature is counter-productive.
It can be worth pre-fluxing your Veroboard with a rosin based liquid flux - pick one that dries hard as its best applied by wiping it along the tracks of the bare board and drying it before soldering the first component
(after thoroughly cleaning the board with a green pan scourer and alcohol to remove all grease and oxides, and drying it without touching the tracks except with a clean lint free cloth or tissue), to reduce the time it takes to wet the track with solder and thus to make the joint. Cleaning and pre-fluxing the board has far less benefit if its 'factory fresh' bright copper and you peel the protective film off immediately before use, but on an older board that has even slightly oxidised, it makes a major difference to its solderability.
Pre-tinning the wire also helps significantly as the extrusion process stretches out and aligns the plastic molecules and the first time the wire is heated above the insulation softening point, if unconstrained the insulation will shrink back as increasing temperature frees the molecules to contract back into their preferred more random alignment. Also if the wire is pre-tinned, the time to make the joint is significantly reduced. You'll need to start with an over-length wire so that after pre-tinning it, you can trim back the bare ends to compensate for the shrinkage.
@Hero999: I think the O.P's topic title was sarcastic click-bait.