Do you have stock cooling? It is highly unlikely that your Mobo runs hotter than your CPU. I had the same problem where every program would tell me the same thing, but in my bios it said I was running like 45
No, i dont use stock cooling, i use a Zalman CNPS7700-Cu Cooler, i dont care much for the noice so i got it at max RPM.
and about that 95C, i think it must be your bios that reads it wrong, it did that for me at first too, it said 60C at idle so i thought something had to be wrong, so i flashed the bios, now it reads right.