It means that the ambient air should be 85, and the temperature of the substrate (not the air above it) should be 90. If you can get the right temperatures without a lamp, then don't buy one. If your temperatures are NOT right (i.e. too low) then buy one. Also...if you just have a hide over the UTH, be careful your snake doesn't burrow and burn itself.
As long as the hide is tight and secure, your snake will be fine. You should put one on/near the heat source and one on the cool side; as Mr. S said, and anything extra that provides cover will only be beneficial.
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