I keep my ambient at 80 and my belly heat at 90, so your temps seem fine to me. I would bring the ambient down a few degrees but I don't know that it's necessary.
I am concerned when you say that you set your UTH thermostat to 95 to compensate for heat loss through the substrate. You should be measuring your belly heat directly on the bottom glass inside the viv, not on top of the substrate. Your BP will eventually move whatever substrate you have and come in direct contact with the bottom glass. The temperature of the bottom glass should be set at 90.
Don't worry if the substrate lowers the temp a few degrees. If your BP wants more heat, he'll dig down to the glass.