Belly heat is not necessary however when provided it is the most efficient source of heat compare to back heat since heat travels up.
A hot spot of 88-92 is what you are shooting for with adults (your t-stat setup is something YOU will have to figure out)
Hatchling I recommend 86/88 as a hot spot.
To me 81 as ambient temp is a bit overkill but it is your electricity bill, I keep my room heated during the winter between 76 and 78.
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