Exact voltage ratings for connectors (at least non-hotpluggable) and cables below legal SELV limits (which vary by region, but approx. 50-120V DC, I think it's 75V DC in EU for example) are arbitrary and irrelevant. It is practically impossible to manufacture a cable which survives 12V but somehow fails at 50V; same goes for connectors, so as long as you stay below the legal safety extra low voltage limit, it's OK.
Now for fuses, relays and switches which need to open under load, there is possibly difference between say 12V and 60V DC, since latter is able to maintain a serious arc; there is a risk of switch/relay welding stuck on, and fuses could take too long to clear or damage the surroundings, therefore following datasheet ratings is important.