What have I done wrong ?

[ffvader]

Still too high. ABS on a Flashforge requires 95 degrees max bed temp.

i think that is subjective.
it depends on your printing platform.
if you have glass with glue, or tape, or buildtak directly on your build plate..
etc.
it will vary based on what you are printing on and how many layers you have on top of that and what material you are using.
some thing conduct heat better than others.

If you set your bed at 95 and hit with an infrared thermometer it should read ~95, but if you have 1/8 glass or 1/4 glass or something else.
maybe with tape on that or PEI or something. that won't read 95

for abs i set my bed to 110, using 1/4 glass with hair spray and have no issues to speak of.