I believe that the temperature of the tire/tube combination goes noticeably higher in use, and that drops the speed rating, but I'm not an expert. Best to check with a reputable tire store.
Ride Safe: Jim
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Jim Ballard
The older I get, the faster I was....until lately!! (Speed IS the fountain of youth)!
If the tire is a tube/tubeless type, the marked speed rating is correct whether you use a tube or not. Most radial tires are not rated for tubes and are not recommmended for such. If you have a radial tire that came with a tube, such as the spoke wheeled triples, you would do well to use the O.E.M type and brand tubes, as those are tested and approved by the manufacturer.
Thanks everyone. Trispeed, my mechanic (Triumph) said basically the same thing. He stated there was no effect on the speed rating but, to be sure and use the proper "approved" tube type when replacing the tubes.