Hedda,
I am going through the HSMP process now... I filed Under 28, but from what I know, the only difference is that the Over 28 does not get the 5 points for age. Please do not take this as professional advice, but from my experience, this is what I've learned so far. You have to acquire 65 points to qualify, but more importantly you have to have evidence that backs up those 65 points. Now because you are married you can claim your partners achievements, however the HSMP will be issued to whoever filed for it (there is not a "joint" application). You can both file and get your own HSMP, but ~$1000 is a bit expensive if you ask me. So if you decide to only file for one HSMP, Entry Clearance becomes important because you then have to prove that you are married or have been in a relationship akin to marriage for 2 or more years (which should be easy with a marriage certificate). If you and your partner get through Entry Clearance, then you can both live and work under the HSMP, but the non-HSMP holder becomes your dependent (you leave, they leave).
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Back to the HSMP application. You stated between you and your partner, you have 95 points. That definitely will qualify you. However, evidence is key. It is better to claim only 65 points and have solid evidence to back it up than to claim 95 with hopes that your evidence will be good enough to get you at least 65 points. Keep it simple. Only claim that which you can provide solid, original evidence as outlined in the guidance... do not try to "stretch it."
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For example, my situation: I did not go through a service... I claimed 65 point exactly (age, work experience, income). I could have tried to claim additional points for partner achievement or my own achievement, but I was not confident with the evidence that I could provide. Claiming anything for a partner requires you establish that you really are partners with at least 4 pieces of evidence. If they do not like one of the pieces of evidence, the partner achievement points will not be counted. I made sure that for any points I claimed I could provide solid, original evidence... My application was approved.
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I'm not married, but I have a girlfriend of over two years who will be coming with me. So for Entry Clearance, we will both file separate applications, hers being a dependent of a HSMP holder. We will provide lease agreements, insurance, and other mail to the same address as well as bank statements. If all goes well, we will prove that we have been in a relationship akin to marriage for over 2 years (and have significant funds) and they will let us both in (fingers crossed... we still are in the process of Entry Clearance).
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Sorry if this doesn't settle your nerves, but overall, so far, I found the HSMP process to be a pleasant experience. My only real advice is to keep it simple, only claim the points you know for sure you can back up with undisputed, original evidence as outlined in the guidance. Enjoy.
Good luck.