I would totally agree with you, and I think that planning phase should be separated from actual phase, but you did not answer the question.
That paragraph that I quoted you clearly talks about factorization, making reference to full compliance with CAT.POL.A.230 from point (a) to (d), which includes the 60% factor, and before commencing the approach, which indicates without a doubt an in-flight situation.
To be noted that this seems to apply only when a particular wind component is necessary in order to meet the above requirements (i.e. you comply with (e)(2) but not (e)(1)), and is coherent with the example of Cannes I made before.
Different would be if the plane does not meet point (e)(2) in planning phase, but comply with (e)(1): in that case once in-flight you are not required to meet any dispatch minima and you can use the unfactorized values from the AFM.