You can have over 100°C. The amount of steam is a crucial factor. Even over 100°C doesn't feel that hot if it's dry, but at higher temperatures the "löyly profile" often becomes quite harsh.
In my case 95°C was without any steam; it caused me burning skin sensation and I almost collapsed after just 5 minutes, whereas pre-covid I could do 3-4 rounds of steam with towels pushing steam at me at the topmost place and last up to 20 minutes before I needed to leave.
