I run usually 97.8 F on average. Lot hotter. Oh. You are not compensating. Forehead is colder than throat. Butt is warmer than Throat. Let me see the instructions. Add 0.5 to 1.0 Degree F to forehead temp to get throat temp. You are not that cold.
In the old days, the armpit ran 1 degree cooler than under the tongue. Should be able to get an IR reading there.