What are you using to measure the temps? Hopefully not a stick-on. If it is a stick on, please get a digital thermometer with a probe to put under the substrate on the warm side. The temps should be reading around 92 - no higher.
The wet towel presents a perfect breeding ground for bacteria. If you can, replace it with something more permanent; ie. plexi-glass, aluminum foil covered cardboard or anything that won't allow humidity to escape. You can also mist the substrate lightly once a day to keep the humidity up. Again, monitor with a digital hygrometer with probe.
As for ambient temps, get a small space heater for the room in which you keep your tank. I find that as long as your BP thermoregulates (switches from cool hide to warm hide) on a regular basis, the ambient temps should be fine as long as they don't drop below 75 and your UTH reads around 92.
You cannot tell the gender of a snake by looking at it's tail. They have to be either popped or probed, which can be done at your local reptile store, herp vet, or doing it yourself (videos).
Good luck!