I have bought thermostats that had the temp on the box different from the temp that was actually on the thermostat itself.

If you suspend the thermostat above the bottom of a pot and heat the water (put some salt in it so it wont bubble as much) up and measure the water them temp (keep the thermometer off of the bottom of the pot) and watch when the thermostat opens and is full open and you will get an idea as to if you higher temp is being caused buy the thermostat itself.

On American cars I have seen and had coolant flushes loosen stuff that ended up plugging some radiator cores and leading to a higher coolant heat.

Had an incident where the temp censor had so much crud on it the crud acted as an insulation keeping the temp sensor from working as it should. In my case I pulled it and cleaned it manually but a flush could also clean off a temp sensor and get it to read correctly.

Concerning the 95 degrees C as long as it stays there in with your engine under any and all loads and ambient temps it is actually within a normal range. My 84 300D has a read line on the gauge at 100 degrees C so I am assuming that is the high end of the normal temp range.

To cloud the issue is that if the oil cooler thermostat inside of the Oil filter housing is not working one would think that would also raise the coolant temp.

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84 300D, 82 Volvo 244Gl Diesel