Rick,

The only way I know of to verify the existing sender w/o removing it is to get ahold of one of those laser temp readers and take a temp reading RIGHT WHERE the sender is sitting.

Otherwise, I think you'd just have to replace the sender with a new one (but this doesn't mean the new one is correct either :p )

I think that there's a voltage-temp conversion and you could measure the voltage output from the sender and see if THAT voltage corresponds to the temp your gauge is reading.

Otherwise, dunno

...and yes, I agree. Constant 95C temps certainly justify your suspicion.

Chris
'85 300SD