I'd say it's higher than 95. Remember, you can shoot 95s all day long without ever getting a 25-straight. And, you can't shoot a 100 without first shooting three consecutive 25s.
If the wind changes and you don't know how to compensate, you're toast -- while the more experienced shooter adjusts his game. Where you have to stay on your mental game is if you a drop one in the first round and still keep your wits about you and get a 99. It's real easy to get frustrated, have your wheels come off, and shoot a 95 instead of a 99.
No matter what your level, don't be thinking about scores while on the field, just think about shooting the next target and nothing more. That's the way 100s are shot.