Your Dell has a mobile Pentium 4 processor, which isn't really that 'mobile' to begin with. I think it's notorious for generating lots of heat. Cooler CPU solutions only started with the Pentium M generation.
Anyways, according to
cpuworld your CPU has an operating temperature of 0-100 degrees Celsius. You have around 94 degrees Celsius, so you're still under the operating temperature threshold. Having said that, under such high temperatures, electromigration will be accelerated, resulting in the silicon to die sooner. But predicting extension of lifetime by buying a fan is impossible for an individual case. But yeah, I would buy a fan. It's just a safer bet.
Other tips for keeping it cool: if it has wireless (it says optional module in the specs), and you don't use it, turn it off -- this will save a few degrees! Also, see if you can buy a cheap notebook stand or something. By allowing cool air flow underneath the bottom of a notebook will keep the temperature a little bit further down. But of course, these are marginal measures.
Jam it back in, in the dark.
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Kajun