I think the general thought of 95 degrees then reduce by 5 degrees a week is absurd. For the most part, you can watch your birds and see how comfortable they are. If they're huddled under the lamp, add more heat. If they're at the edges of the brooder and panting, reduce the heat. I make sure mine are comfortable, and they've pretty much told me that they're fine with no heat after about 2.5 weeks. I've taken the heat off as early as day 10 sometimes in the rare occasion when I brood in the summer, although it's still in my basement, which is more climate controlled and stays cooler than outside.
Honestly, I don't lose chicks. I've had to cull a few for deformities or otherwise unfit for survival and I've lost a few when broodies haven't protected their young, but I've lost nothing to cold.
I do recommend it - getting those babies outside quicker and into the flock is better for everyone.
I do have to admit it took me forever to get my ducklings outside this year, too. I did those for the New Years Hatch and was nervous about them being waterfowl (and thus wet all the time) plus not having a dry airtight coop like the chickens. If I ever do ducklings again, I won't worry about that once they're fully feathered. They're hardier than we think, too. Live and learn.