95 deg is hot, so if everything is ok with it, then its actually not bad.
Originally, I thought yeh, more fan to cool, noisy, just harder to cool. But it should actually be the opposite.
In theory, higher operating temp means higher Td to ambient air temp, therefore less air to move to keep it cool.
NFI if higher Td makes existing coolers more efficient, e.g. wicking withing heat pipes works better. For liquid, should work better, transfer should be more efficent.
To spell it out a bit, 105W @ 40 deg Td vs 105W @ 70 deg Td. Power the same but Td changes.
Which in theory means, 2l/s air vs 1.25l/s so less has to be shifted.
So just boosting fan curves up to ramp at 100 deg perhaps.
Useful heat though, can boil water and heat rooms better.