Live temperature readings on my phone showed 98 degrees only reached once this summer. That was up a very long welsh hill in 2nd gear on one of the hottest days of the year while stuck behind a lorry.The 102/104 sounds about right in my book. I would have thought that reducing the fan-cut-in to 98 might result in the fan running under normal running conditions - not really what is wanted.
The coolant will not physically boil at 102/104 due to the pressurised cooling system. Water will only boil at 100 degrees C at atmospheric pressure. It will boil (bubble) at lower temperatures if the pressure is below atmospheric, or not until higher temperatures at increased pressures.