Most cheapo digital thermometers, including accurites, have a tolerance of +/- 2 degrees.

My belly temp could say 94F and someone elses could say 90F and the temp could really be 92F on both. Same goes for budget priced IR thermometers, which are generally +/- 2F or +/- 2%.

This makes it hard to give an exact cut off point because most people only know the temperature within a 4 degree range. Most people don't realize how big a range the tolerances allow.