Well yeah, but that's the temperature that it will probably actually die at. Also, whether the fan is on auto or not, it forces it to 100% at 100C (from my experience) so It's impossible to get to 105C anyway.
I heard others saying you should keep it under 70C to be safe. Is that true?
If not then I guess my temps are fine but they really do seem very high.
Lower is better but how low you can get it would depend on the HSF that the card has and if it's a reference design then what you are getting is the best that HSF can do.