"I wonder if something would explain why I'm always 97.8 degrees instead of 98.6 like most other people. Or is there someone with more medical knowledge that can explain it?"
Because your thyroid output is too low. Thyroid gland controls the body temperature.
It's a common condition which can be easily and safely treated with medication. Get your doctor to give you a blood test. There's lots of info online about it. Look up "Hypothyroidism".
My dad (who is 78) and I both customarily run at 97.6. I had my thyroid checked recently (for other reasons) and it is well within normal limits. I told my dad that we are obviously both aliens. (Just ask Art Bell!)