|"It had thermal grease but since some of it came off when taking off stock i reapplied some"|
hmm...did you read the link about proper application of thermal grease?
if you ever re-seat your heat-sink/fan (HSF), you need to make sure you COMPLETELY clean the old thermal grease off of the HSF AND the CPU. This is best done using a LINT-FREE cloth and >90% rubbing alcohol.
if you merely rip off your HSF you get a bit of old paste on the CPU and a bit on the HSF. Then if you just squirt more paste into the mix and slam them back together, you create several problems. 1) there's probably too much thermal goop, so the layer is too thick AND some probably leaked out the side onto the motherboard. 2) you probably didn't get an even spread, leaving tiny air bubbles mixed into the thermal compound. This air does a horrible job transferring heat, and can also cause problems when the bubbles expand as they heat up.
As for which temperature to trust, BIOS readings are usually most accurate, but can be difficult to obtain under load because the CPU cools off when you reboot. Pick yer poison.