The normal coolant temperature range is 80 to 110C and withing this range there is no signficant effect on engine life, however hose life will be lower with higher operating temperatures.

45C is 113F!!! Where do you live? 95C coolant temperature driving at 85-90 MPH in 113F ambient conditions with the A/C on and obviously having a big cooling load certainly indicates that your cooling system is in satisfactory condition.

Duke