I believe that it is no more or no less likely on this car than any other. These speedometers are typically quite accurate. They are susceptible to hanging. If the odometer AND trip odometer are both currently working then that's all you can do. I have had the odometer and trip odometer hang and not move. If that happens and you are willing to give up the trip odometer, there is a plastic gear that connects the odometer to the trip odometer that you can remove. This will get the main odometer going again.

Since these odometers are known to hang, the possibility exists that someone could have replaced the speedometer 95,000 miles ago. Typically new speedo heads have their odometers set pretty close to the replaced odometer setting.

I understand your desire to know the true history and would probably feel the same way. Unless you have records or can talk to all previous owners you will never know.

The good news is that you aparently have a good car that you're happy with. This is a 21 year old car, so condition and so forth is most important.

Enjoy,