Yeah, it's really the internal temp you want to be thinking about, not just the air temp in the bator. Like Cmom says, it does take a while for eggs to either heat up or cool down, so if your air temp dropped to 95 and you caught it within a couple of hours, chances are the temp inside your eggs was still up above 98...
I have an old homemade styro bator. The lightbulb goes on at 94F and switches off at 106F, but a water wiggler set up with a thermometer probe inside it as a test 'egg' shows that internal temp stays right around the 99-100F mark.
And Pete is right. Low temps can slow down your eggs a bit, but high temps can kill them.
Some people on here have found their bators as low as 60F with cold eggs in them, and still had them go on to hatch out okay!