Residential thermostats have a top end set point of 90-95 degrees. It damages the set points rendering it useless if you try to modify it (been down that road). Honestly and it would be a lot of work, you'd need one out of an appliance like a toaster oven to have anything better than what you got, without ordering.
Again wasn't trying to pick on anyone and I know it can be made to work (being a redneck I also know all about using what you have), but you see the extra work involved moving bulbs around and such, also when you need to raise humidity by 10-15% and lower temp by a half degree for lockdown they make it difficult to make fine adjustments. If you don't have eggs in it yet practice getting it up to lockdown humidity with all the vents open if you haven't already.
A lot depends on how much you use it. I have to schedule my incubators cleanings because they never turn off 9 months of the year so I'm all about making them low hassle, if the temp is off someone bumped my t-stat dial or I have a mechanical failure.