As I suggested, this can be complicated.
We are to note that the nucleophile, in each case can attack at two places, both of which have partial positive charge. Of these two sites of attack, the more substituted carbon has greater positive charge density.
That is the conventional argument. I prefer a different rationale. I argue as follows. Carbon is electron donating, so a tertiary halide has the greatest electron density about its carbon. Hence, a nucleophile faces the greatest resistance to attack at that carbon. A methyl halide has the lowest electron density about its carbon and nucleophiles can most easily attack its carbon (the most positive). In order for a nucleophile to attack a tertiary carbon, the C-X bond must be broken or partially broken. This will flatten the groups attached to the carbon and expose it to attack. Conditions that enable bond breakage are required in order to allow this attack to occur.
If that were the case, then one could not simply argue attack is due to the effectiveness of a nucleophile. That is, even a very good nucleophile cannot overcome the electrostatic resistance of the electrons surrounding a tertiary carbon. Attack must be the combination of bond formation and bond cleavage. If this is described by kinetics, we would find that SN1 reactions have a high degree of bond cleavage such that the nucleophile does not enter the rate equation. Conversely, if bond breakage has not occurred to any appreciable extent, then a nucleophile must first attack a carbon before bond breakage can occur. I argue that attack under these conditions should occur at the most positive carbon or the carbon with the least electrostatic resistance, e.g., a primary or methyl halide.
From what I have read, if a chiral tertiary halide were subjected to an SN1 reaction, the products may still retain optical activity. That is, even though we may write a discreet carbocation intermediate, bond formation may actually occur faster than diffusion of a freely rotating carbocation. That is, even SN1 reactions may retain some SN2-like inversion.
Okay, what might happen if the leaving group is tethered to the adjacent carbon? I should not be surprised that the products would appear to be SN2-like in their stereochemistry, but I don't think this reflects an improved nucleophilicity.
Now, reaction conditions in each case is such that there is a high concentration of the nucleophile. This is essential for a good SN2.
I consider this a kinetic effect, not an atomic effect. Even at low concentrations, methyl iodide will undergo an SN2 reaction. It will not change mechanisms. Bond breakage leads to SN1 reactions and in its absence, SN2.
... a plausible explanation I thought of was with the help of ion-pair concept. In the tertiary carbon of the second case, the C-O bond is almost broken to form an intimate-ion-pair. The intimate-ion-pair, in this case proceeds till almost-but not yet- at the verge of forming a carbocation. This is the loose-ion-pair. At this stage, the nucleophile attacks at this carbon, and hence the rate expression involves concentration of the nucleophile because slight C-O bonding character is still present.
Now, why it prefers a loose ion-pair over a tertiary carbon, demands explanation.
A plausible explanation for this could be, in the bonded state, octet for all atoms is complete. The protonation of epoxide's oxygen makes the bonding unsymmetrical and weak, but a loose-ion-pair would still be more stable than a carbocation.
Now, I want to contradict myself. I referred to bond formation and cleavage. I don't necessarily think of bonds as bonds. I prefer to argue about forces. In this case, since single electron reactions are not implicated, I prefer to think about how the electrostatic forces and distances may contribute to the outcome. If that is the case, then ions and covalent bonding descriptions disappear. We need not refer to a loose ion pair. Attack can only occur at atoms in which the electrostatic repulsions are lowest. Conditions that increase a carbon-electron pair distance will have a weaker force. That is, an increase in a carbon-electron pair distance will flatten the carbon and increase its susceptibility to attack.
Nucleophile power definitely plays an important role. - During acid catalyzed ring-opening of propylene oxide in methanol or water, the solvent molecules attack at the more-substituted end. However, chloride attacks at less substituted end.
How does this fit in? In my classes, I used to argue that we should expect bromohydrin formation in the bromination of an alkene in water. I argued that we knew water was more basic than bromide as the equilibrium of HBr and water greatly favored hydronium ion, therefore we might expect a bromonium ion to be opened by water and not bromide ion.
If I extend this argument to the opening of an epoxide with HCl, then I might not expect chloride to be all that effective as a nucleophile, per se. It is a nucleophile, but not necessarily one that exerts a significant kinetic effect. (Someone might be able to verify this. If an epoxide is reacted with HCl in the presence of NaCl, then the rate should be increased if it is an SN2 controlled reaction. If the rate determining step is related to the concentration of protonated epoxide, then I might infer that even though the carbon attacked is typical of an SN2 reaction, the actual driver is the relative weakness of the bond breakage.)
If (and this may seem more like a house of cards) water or methanol were the nucleophile, then it should be a better nucleophile than chloride. If the reaction were an SN2 reaction, then water or methanol should attack at the primary carbon. In the other example cited, this seems to not be the case. If I continue with my prior thought, then I may infer the conditions for opening in water or methanol may shift to a greater degree of bond breakage, that is the electrons are pulled further from the more substituted carbon than the HCl reaction. This could be considered consistent with the a typical SN1 reaction. Tertiary halides are more stable in SN2 conditions than SN1.
Can the opening of an epoxide be classified as strictly SN1 or SN2? I don't think it can.