I've actually done a recent cleaning and even replaced the thermal paste due to these speccy readings. The temperatures actually looked to lower by maybe an average of 3 degrees or so, but I'm not sure if that relates to Speccy being somewhat accurate or randomly pulling up a different reading.
It shows a temp for each core that are exaxtly the same as the CPU. (So when the CPU says 95, each core also says 95)
The temps for the motherboards and graphics look normal, usually between 10 and 40. Which is why I felt like maybe Speccy wasn't completely wrong but something is messing it up when reading the CPU.
When I did check the inside, I didn't notice anything burnt or smoking.
I have had my computer freeze randomly in the past before, which is why I wanted to check with an accurate temperature program to see if anything was causing any overheating. But 95+ seems a bit excessive.