Thank you for your query.
You have mentioned that your baby's temperature is 96.5F but you have not mentioned the site from where the temperature has been taken. This is certainly a low temperature whether it has been taken in the arm pit or rectally.
My recommendation for my patients is to keep them adequately wrapped so that the palms and soles are not cold
to touch. They should be so wrapped that the temperature in the arm pit should be around 97.5-98F. Ensure that this is the temperature of your baby and if there are cold sweats then get her examined by a doctor.
I hope I have answered your query to your satisfaction.