I put 5 & 6 week old chicks out on monday in a small coop with out any heat, the temps at night have ranged between 50-60f and they have done great. Today it has been in the 50 and windy, i still put them out in the run with a small dog kennel pilled up with straw for them to keep warm in if they wanted, but they have been running around playing all day and not once gone in the kennel, i have noticed that in the short 4 days that they have been out they have feathered out even more. They do adapt well to being outside if you climatise them from an early age.
I read a while ago about a lady that hatches hundreds of chicks every week and only keeps them under heat for a few days, by the time they are 4 weeks they go out with no heat.
I have never kept my chicks at 95 as i have always felt that was too hot, i always start them on about 80 and every day i put it down, by the time they are a week old they only have a very small amount of heat at night and by the time they are 2 weeks old they don't have heat at night. The temp in my house very rarely drops below 65.
I think if you are going to hatch in the colder months and do not want to have chicks in the house all winter, the quicker you get them used to colder climates the better they do.