If it was a full boil and you didn't add any water after the boil, the wort is pretty much homogenous. Stirring should not make a difference, then.
- Are you exactly at your target volume? That can make all the difference.
- How did your grain look? Very coarsely milled perhaps? That's the #1 cause of a low OG with all grain.
- Did you squeeze the bag and sparge it some? You can literally wring a few more points out of it.
65F is close enough. If the wort was 120F or so it would read much lower than it really is at 60 or 65F.
Do you have any (light) extract around? You can add that to raise your OG.