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.
95 max on the glass......
You are warm blooded and your reptile is cold blooded so what is warm to your touch is HOT to theirs.