This my experience as well, but mine only creeped up to 93.4F with a small 120v fan, and was only an issue when the room temp got up to 85F, so it had passed my pre-use testing.
My temp gun indicated the single clutch of eggs was just at 90F when the alarm woke me up, so I'm probably OK, but that remains to be proven.
Be very careful to not introduce uncontrolled heat sources to your incubator. 12v fans generally run a lot cooler than 120v fans.
It wouldn't hurt to have the transformer outside of the incubator to avoid that heat too.
I know these sources seem like free heat, but it only takes one temperature spike to kill all your eggs.