I've had only one exposure to 95+ pitching and it was as a spectator. Here's my take experience.
Back before the days of the Super Regionals UMaine was hosting the Northeast regional and since it was only an hour's drive away my son and I spent a couple of days there. Umaine was playing along with Villanova and several other teams in the tourney at at one point the PA guy said, "Now pitching for Villanova, Bill Bliss", and the scouts rushed to their radar guns to watch him pitch.
Thinking that Bliss might be something special my son and I took seats in the first row behind home plate but slightly off to one side where we could see the ball coming to the plate. I found that I could follow the ball until it was about half way to the plate and after that it became a blur about a foot long. After Bliss' inning I went to one of the scouts (one of the great things about UMaine back then was that you could talk with ANYBODY!). I asked how fast they had Bliss on the gun and he said between 94 - 96 mph.
I then did a little research and learned that the human eye doesn't move in a sweeping direction, it moves it steps. Very quick steps, but steps nontheless- and it can't catch up with the ball at about 94+.
That gave me a whole new appreciation for those hitters who can make contact with the 100 mph pitches, not only for the bat quickness to hit the ball but also just to see the ball.
That's my experience... yours may differ.
And BTW, I still want to be included the day you pay off that bet to Bell. :-)