Perhaps this will help explain whats going on;
I am no longer using the night bulb lamp at all. It has been disconnected and is no longer in use.
The day lamp is plugged in, but is kept off at all times unless the tank requires a bit of a heat bump or I need to see inside the tank (the room the tank is kept in is not illuminated very well)
I was told that the CHE being over the top of a hide would turn it into an "oven" and that I should not position it so. A 20 long, while reasonable, isn't really THAT big so I am forced to place the CHE in the middle.
I probed the hot side hide and got a reading of 100.5 degrees. Too hot. I suspect the CHE being on the hot side had something to do with that, but I also dialed back the dimmer on the UTH very SLIGHTLY just in case.
I plan to probe both hides again this afternoon and this evening to stay on top of the changes I am making.

I also covered both sides, the back, and the top with DOUBLE LAYERS of aluminum foil secured with black electric tape (I have NEVER used tape INSIDE the enclosure )
After I finished that, I added cut planks of pressed and painted wood to the OUTSIDE of the aluminum foil on the tank's back and both sides for additional insulation (I did NOT use cardboard).
I then misted down the whole tank with warm water, topped off the water dish, secured everything, and snapped the following pictures.

Please let me know if you have any thoughts or suggestions.
I'm desperately trying to get this right!