Your normal temp is what 98.6ºF so if your hands are a bit cooler say 96.5º then if your snake maxes at 85 yes it would feel cooler. Typically you are always going to be warmer than your snake. Unless you have reduced circulation or just generally run cold.

I agree you really should have a hot spot a bit warmer 90º-93º. Personally I use 90º as a target.