Your no pain. I dont think it is too bad yet that you need to get to the vet, but if it gets any worse take him right away. Im not saying you cant take him to the vet, if you want to go right ahead. It wont hurt anything. You can put some neosporn on, maybe someone more experienced can help with that. Yes you do need a thermostat. You actually want your hot side temps to be about 93 is perfect. Im not quite sure how 95 could burn him like that if it even is a burn. Or maybe your thermometer is off by a couple of degrees. You never know. But first thing is first get a thermostat. If you dont have a large budget I would recommend a Ranco or Johnson Control for Matt at www.mgreptiles.com. You coulkd get a zoomed one but those are as cheap as they cost. It isnt digital, and you have to set it with a dial thingy. Any more questions just ask.