It's just different requirements for different conditions.
Pasturization doesn't sterile things, it just slows the growth of microbes. Milk and fruit juices, for instance, don't boil well.
Water bath canning is used for foods with either sugar (jelly, fruit in sugar syrup), or a high acid content (regular tomatoes, pickles); it's the two forces working together that get the job done at lower temps.
Pressure canning is to kill everything possible, used for foods that are low in sugar or acids (vegetables, meats).
You've got these a little mixed up:
Pressure canning high acid foods 240 degrees or so.
Low acid veggie canning - commercial 250 degrees or so.
Water-bath canning of high-acid foods needs temps between 212ºF and 250ºF -- the higher the temp, the shorter the time needed to get the job done.
Pressure canning of low-acid foods needs temps of 240ºF to 250ºF.
Should cooking thermometers be part of our BOB or Bug-in kits?
Unless you're planning on doing some serious milk pasturization, I would say No. If you can't recognize boiling by now, a thermometer probably won't help. And the temps that are listed are INTERNAL temperatures, anyway -- you can' reach them with a thermometer. The foods have to reach those temps for killing or inactivation of the pathogens.
Get going with your canning this summer, and after a few batches, you'll feel a lot more comfortable with it if you need it later.
Sue