Also, remember that your own body temperature is about 98.6*...which is not very far from 101*. For that reason, it's hard for us to judge temperatures by "feel".
Buy & use a reliable temp. gun to check, and yes, too much substrate acts as an insulator, preventing the heat from rising into the cage where you need it, AND it
may also over-heat (& damage, short out) the UTH if it's not properly vented for safety (and regulated for the right temperatures).
Good heavens, a 100 Watt heating light (or CHE) on a 20 gal. tank along in conjunction with UTH heat? Your snake must be cooking in there? What please
is the temperature of the cool side of the cage reading? (please tell me there IS a "cool" side?) Where is the snake spending time? (on the hot or cool side?)
How is the snake behaving? Restless? (as in "get me outa here!"?)
Humidity: you aren't going to be able to "feel" that by hand either. Buy & use a good gauge.
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