I check temps all the time, once I get my rack itll be easier, Also as far as the hot side goes, it take a long time for the substrate to heat up (esp. mulch) and depending how thick the bottom of the enclosure is.

Question, the mat itself heats to 95? or is that the bottom of the floor inside the enclosure?

If its 95 degrees inside on the floor then just remove most of the mulch in his hide.