If your oil is 94-97F that is odd and perhaps indicates a bad sensor. If it is 194-197F with the coolant temps you have, you are okay - on the top side of the oil cooler efficiency 15 degree delta but colder weather may allow a larger delta. If your oil is 94-97C this is 201-207F and would indicate a bad oil cooler (and another odd situation of measuring temps by two standards). How are you measuring temperatures and pressures of the engine?
Jonathan
Jonathan