Clayton, while 90 to 110 psi is below spec, 110 psi is only 4 psi below the minimum amount specified. Is that enough to cause problems? I doubt it, but certainly am not sure. The repair manual suggests if the pressure is low, it's the main hydraulic filter, an air leak, or the charge pump relief valve in the HST has a weak limiting spring. The cooler bypass valve on the top of the HST filter that bypasses the cooler has nothing to do with charge pump pressure. The regulator in the HST is in the valve body of the HST just above and in the middle of the fwd/rev main relief valves.
BTW: The main hydraulic pump pulls fluid through the same main hydraulic filter and might change the suction characteristics of the HST charge pump with it's varied pressure demands depending on loader operation, 3PH, and remotes.