There are more experienced folks out there than I am but 99.5 is what you want to aim for temperaturewise. I shoot for 50% humidity for the first 18 days and bump to 60 to 70% the last 3 days. You're right there are different opinions about that but thats what I do and I get fairly decent hatches with my shipped eggs.
It really depends on the incubator & other factors. Not everyone will use the same temp/humidity. Easiest way is to try it & find out what works for you based on your incubator, type of eggs, and individual needs.
I agree that the humidity can vary from person to person due to different climates and incubators, but the temps should be the same no matter where you live.....99.5 for a forced air incubator and 101-102 for a still air. Over the years, I've found that keeping my humidity at 30-35% for the first 18 days and then bumping it up to 60-65% for the last 3 days works the best for where I live. If you're just starting out incubating eggs find some local fertilized eggs to practice on till you find out what works best for you.