Sometimes I can use enough techno-babble that it is easy to misinterpret it so for safety's sake I thought I would share how I do 1095, I have been working with it longer than any other alloy and have adjusted my treatments over the years to get it as close to optimum as I can. McAhron, you seem to have it but there are few points that I am not so sure on.
I start out by normalizing after the forging. I always do my first normalizing at the range that industry does (around 1600F) in order to get everything into solution and get the grains all the same size, what size that is does not matter on this heat, as long as it is uniform so the most important thing in any normalizing heat is to heat as evenly as possible and cool as evenly as possible. Then the blade is allowed to air cool until it is entirely black, this will work with 1095 for grain refinement as a new structure will be formed when you get pearlite at around 1000F. With richer alloys that have a slower curve one needs to wait until you get to around 700-800F before the reheat in order to get grain refinement. This is all because you have to recrystalize in order to get grain refinement and if you don't form something other than austenite all you are doing is reheating the same grains again and again, but it also is not necessary to go to room temp, martensite will refine grain quicker but it will also be riskier (going from 1600F to a quench can be risky with 1095). I have some images that I posted on one of the forums that clearly show what I am describing here and how it changes with alloying.
The subsequent normalizing heats are done at lower temps in order to bring that grain size down, 3 times is usually enough.
The next thing is the anneal. A lamellar anneal (wood ash, vermiculate etc...) will be fine if all you need to do is grind it, but if you will be drilling, milling, or cutting a spheroidal anneal will be in order as 1095 has enough excess carbide to be quite problematic in those areas if it isn't taken out of play. For lamellar, heat to critical and stuff in the insulating material. For spheroidal, heat your kilns to 1375F. soak for at least 45 minutes and then run a program that will drop the temp. at a rate not exceeding 50 degrees/hour until you are below 900F.

Hold on! Don't panic, if all you have is a forge; you approximate this treatment by quenching the blade on the final normalization and then repeatedly heating to a dull red (never critical!).
Move on to grinding and finishing.
For final heat treat of a spheroidized blade, heat to 1500F. and soak for at least 5 minutes in order to get complete solution, this is critical. All of my observations over the years have brought me firmly to the conclusion that if one is not able to hold a hypereutectoid accurately at temp for proper soak times, 1080 or 1084 will work just as good. If one lacks the equipment to do this they may see some benefits from the some of the multiple quenching techniques that many with just forges utilize, by bringing more carbon into solution in steps. This situation is exacerbated by spheroidal anneals which require more soak times, so a trip in the vermiculite or ash may be better for the low tech soak.
For some time I had problems ever getting the spec sheet HRC numbers to match the tempering temps. 400F would be the highest I would want to go. When I got a grip on accurate soak times all of my tempering temperatures had to increase and came in line with the spec sheets quite well. If you are using a 1095 blade that was tempered at 375F and the edge isnt chippy, you only used a portion of the available carbon, so 1080 may be better for you. If you have extra carbon that is not in play and you dont keep it out of the grain boundaries, things will get weak.
I have seen a few numbers mentioned in this thread, but all the curves I have seen (which also correspond to my experience) show 1095 as having around .5 second to get below the pearlite nose. 1095 lacks the manganese of many of the other 10XX steels so it is about the quickest that can still fully harden. Think about that- ½ a second from the time you go into the quench to get from 1500F to around 900F, you quench needs to be the best it can be for this stuff. I have tried and tried, with all of the methods described by others, to harden 10XX in salts and it just doesnt work. I would be happy to share the images of choppy martensite laced with fine pearlite from those attempts. So needless to say I personally dont use low temp salt on 10xx. Parks #50 is simply the best for this steel in my shop, but if you were to heat it to 400F, it wouldnt cool worth a darn and would most likely ruin good #50. They make special martempering oils that can do this but I dont work with them and regular oils heated to 400F will give you that same pesky fine pearlite as well as singed hair.
I quench into #50 heated to 130F and keep the blade moving length wise for a count of seven and then interrupt the quench, on a good day this should be about 450F
is that nonscientific enough for you

. I put on my gloves and eyeball things straight and tweak it if I need to. I do not stop the cooling or reheat it in any way while the martensite is forming, for fear of stabilizing austenite.
As soon as the blade is cold to the touch, I get it in the tempering process. I start out at 400F and then cool it and check the hardness before bumping up the temp and doing it again. Around three cycles will be enough and I am always certain to hold the last one for one hour.
I have sound reasons for all of my techniques and would be happy to share if folks want to know but I have run out of room in this highly verbose post.