Ok, so I tried the small water bottle temp test that Oz suggested. The first time I tested it I didn't wait long enough, and the water only tested 94.5. I also noticed that when I had (carefully) adjusted the temp a teensy bit, I turned it the wrong direction and my digital thermo showed a degree or two LOWER, when I meant to go higher!!! Ooops!
Glad I realized that now! SO, I put the water bottle back in, adjusted the temp the RIGHT way, and left it for over an hour. Just checked again - my digital thermometer showed 100.9, and the water bottle temp, taken with the medical thermometer, beeped at 100.8!!! AHA! So, the digital IS accurate!
Thanks again for your help Oz! I will definitely remember this trick in the future!

