I am pretty new to soapmaking, but I have only ever made goat milk soap. I mostly soap around 100°F. The only time I go hotter than that is if I'm using a lot of goat tallow in my recipe because it tends to re-solidify under 120°. But I keep my lye/milk mixture under 100°. I do let my soaps gel and have never had them burn. The closest I have gotten to a crack is a teeny little blip in one batch with coffee and milk. My best guess is that the soaps that crack are probably made at closer to that 120° range than 100°. I'm sure someone with more experience can give you a better idea of what is going on.
Your soap looks beautiful, by the way, in spite of the cracks.