Another way to exceed is when you need to loose altitude quickly and reduce speed at the same time. You would use the gear and overlook the retraction speed limit when retracting it.
Now that's an interesting scenario. If you want slow down and lower gear it is likely to be because of an inimment landing. If you want to raise the gear after extending it as a speedbrake/descent rate controller it implies accelerating again. Now why would you do that? Only for a G/A, surely, and then there is no overspeed issue.