Ok. Time for numbers. I actually set the thermostat to 98 last night. The substrate is 90 degrees on top of the substrate. The glass under the substrate, which is directly touching the UTH is 97 degrees, which is obviously not hot to the touch at all. Based on what y'all have said, I'll leave it here and see what I can do to keep him a happy camper. If anything changes I'll report back.

I love this site, everyone is so helpful. I really appreciate the feedback.