Idle temp is high due to no fans spinning (if this bothers you for reasons I cannot imagine you could always set a low custom fan curve but thats pointless as the card is not in use on idle obviously)
95 degrees is actually normal with this gpu when stress testing on 100% load, i was getting 93/4 degrees on heaven benchmark. the chip runs hot as hell but it is fine to run at this temperature. Once again i think you can set different fan curve due to msi being set not to run at 100% as far as I'm aware (sounds like a fighter jet taking off next to your face). Think my last one was running at about 70% fan speed at 95 degrees.
You shouldn't be reaching these temperatures in games alone though, should be more around the 80-85 mark in more recent titles from my experience with stock cooler and stock paste.
If it is bothering you that much you have a few options with the card itself as far as I'm aware (if you want to keep the card anyway),
1) Set fan speed to 100% once you hit say 85 degrees, helps if you're deaf.
2) attach an aio water cooling set up with a g10 bracket and a small amount of modification due to non reference pcb layout.it will require some copper heatsinks as to avoid frying your vrms.
3) EKs site sells a full cover water block for the msi 390/x, although this is the most expensive option as it will set you back around £100 for the block alone.