Generally, what everyone else said. However...
Be aware that it's not all about the white arc. For example the C172 (N onwards?) has a couple of 'Vfe' speeds - 1 for flaps 0-10, (115kts) and a lower one for 20-30 (85kts). I'm pretty sure white arc starts at 85kts (for example only, this is from memory, the numbers may be wrong, don't go use it!)
Check the POH, know the aeroplane. This might be the root of some of what you post.