How are you measuring temps? The thermostat temp may be different from actual enclosure hot spot temps. You need a thermometer too.
I have a hydrofarm on my quarantine rack. Its set to about
96 to reach an ~88 hot spot in a room of 75ish degrees
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I think this is a great example of why you need to take substrate into consideration when you're setting temps. I set mine to 92 and my thermometer on top of substrate measures, on average, 91.2. Are you using aspen satomi?