for the sake of comparison, here are my stats, if they are of any help..
:: engine is mostly stock (at least on the cooling bit of things)
:: ambient day-time temps are about 29 deg C
:: running green-stuff coolant and i often get about 96 deg C when in slow traffic
:: running 15w-40 oil and that gets to about 88 deg C
:: when on open road doing 50mph averages, i get 88 coolant temp and about 80 oil temp
ps: my defi
coolant temp sensor taps adjacent from the thermo housing so i believe i'm getting close-to-accurate readings..
i know it's obvious at this point but i'm presuming you have checked that your thermostat is operating normally..?