Thanks so much for the reply!
I have it set a little higher to 97 because I noticed when I had it set at 92-93 my temp gun was only reading inside there at about 83. Since turning it to 97 it's been sitting at 87-88. If I had to take a guess I'd say it's probably due to the amount of substrate I have on top of it which I'd rather have a bit more than a bit less.