If your incubating at 95 degrees, you more than likely are not incubating anything. If you are incubating at 99.5, that is fine. Believe it or not a degree or two makes a big difference i incubation time. I had quail eggs in the incubator at a higher temp than normal, about 1 degree higher, they hatched two days early.
As for humidity, 65-70% is perfect, if you reach 80% or higher, you may actually drown the chick/duckling in the egg. The biggest part about incubation, which is hard to do, even with me, is to be patient and observant from the outside. When they start pipping they will get out most of the time. If has been a couple days since pipping and there is no progress, chip some of the shell away and look, more than likely its a dry membrane that prevented it from turning around. I chip away some shell very carefully and then wet the membrane with a q-tip, then i use the q-tip to brush back the membrane away from the duckling. I will usually chip away enough of the shell and membrane that i can hold the egg upside down about 1/2" off the bottom of the incubator and the duckling starts to drop out of the egg, then i place the egg and duckling back on the floor of the incubator and let it work the rest of the way out, this method has worked very well for me. I did learn the hardway ONCE, i pulled the duckling completely out of the egg which in turn ruptured the blood vessels and i basically bled the baby out, that sucked.