Apparently Toyota use some sort of Resistor at the back of the OEM Temp Gauge to make the unit fluctuate much less, hence it doesn't react to much when thrashing the engine. However when it does move, I've read you're actually well beyond 100 degrees!
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This is very true. They are utter crap to be honest. There's a mod for the earlier surf model but I don't know of one for the 90/95 series. Have a read of this:
.toyotasurf.asn.au/techsite/tempgauge.htm