Good choice, thermostat probes should NEVER go inside the tank it's just too risky no matter how you hold it down.
With on/off thermostats I set the low point around 92 and when the t-stat kicks on it will go up to 95-97 for a few moments then drop back down to 92 before it kicks on and repeats the process.
I have never had a burn or any issue with these temperatures, just happy well eating snakes that love their hot spots.