Let me ask you this: if you think theres a chance that you wont get the 95 uai without studying the 'recommended' amount, then why not study this amount? Do you really need reassurance that "yes" there's someone out there that didn't study at all and got a 99UAI?
why dont u just see how u go with the amount u normally study in your half yearlies.. if yor not getting in the top say, 20 in your grade based on what u normally do, then something's gonna have 2 change if u want a uai of >95..