Theoretically, your car should sit somewhere between 70 and 95 Celsius. Theories are nice things, but not always practical. My car was tested, and was sitting around 75C. Beautiful. Looked at my temp gauge, it said 90C. So it pays to check the accuracy of your gauge (mine's a VDO). There are a few variables that determine how accurately they'll measure, not all of which you can control. Mine was tested by a Mini man with a turkey/BBQ thermometer in the top of the radiator!
At the end of the day, if your car's been running fine, not overheating or playing up, just drive it around for a few days and see where it tends to sit. If it's consistently in the same area, it's most likely running fine. If you want, start the car with the radiator cap off, stick a thermometer in there, and see what it gets up to.
Even if the numbers the gauge is pointing to are a bit different to the real numbers, the relative scale is still applicable - if it's running hotter than normal, it's running hot!
I don't know where your oil should be running temperature wise, but I'd imagine the same would apply.
