its not so just the temperature that will let bacteria grow, it needs warmth AND moisture.
If you cook the rice in the way of measuring out the water and rice so that during cooking the rice absorbs all the moisture then there is less chance of it growing, as its relatively dry.
Its when people cook it like you should cook pasta, swimming around in a huge pan of water, then drain it, and pour more water over to rinse it. Then put it in a container. There are pockets of moisture and bacteria can thrive.