How can the safe recommended operating temperature be only up to 95F when it is designed to fit into a pocket next to the body and the body can be at 98.6F or higher?

98.6F is the approximate average internal temperature of the human body. It is not the external temperature. Do not insert your phone into any bodily orifice or carry it for long periods of time in your armpit and you'll be fine.

operate mean active use it with it being turned on and operated only very few of us manage to play games or make calls and navigates while the device is in the pocket