I suppose a little discussion about dwell, what it is, and how it applies to our 650s is in order here. First off, the dwell value for the 650 is given in the back of the factory shop manuals in the electrical section. However, if you're looking for "dwell" or "dwell angle", you won't find it. Yamaha labels it as "Cam closing angle". And it is given as a "range", not one set number. This corresponds to the measured gap range of .012" - .016". The spec is given as 93°± 5°. That would be 88° to 98°.
Now, a little explanation about what that number you're seeing on your dwell meter actually means. A dwell meter really doesn't measure your point gap or opening time, it shows how long the points are closed, or "dwelling" in the closed position. For this reason, the reading you get will be inversely related to the points gap. In other words, a larger number indicates a smaller points gap. Also, most of the meters you see and use will be set up for car use. They will have settings for 4, 6, and 8 cylinder motors. To use one on a 2 cylinder motor, you have to do a little math.
On a 2 cylinder motor with one set of points, you simply divide the 2 cylinder dwell value in half to read it on the 4 cylinder scale. With 2 sets of points though, you have to divide it again and use 1/4 of the 2 cylinder value. So, on our 650s, you will be looking for 22° to 24.5° on the 4 cylinder scale. 22° will give you the largest in spec gap so that's what to aim for. This should give you the longest run time between service intervals and the need to re-adjust.
If you are determined to keep your points then you really should have a dwell meter. It is the most accurate way to gap them and the only way to accurately gap used ones. Used points develop pits on their surfaces and that's the spot where the spark jumps. You can't measure between those pits with a feeler gauge. The gap you think you're setting is actually larger than the feeler gauge is indicating.
On most of the old fashion dial type dwell meters, the scales start at about 20°. Since that's right about where our 650 readings are, these old units are difficult to use. I recommend you get a new digital read-out type. Here's a shot of the dwell meter hooked to my 650 when I had the single point conversion installed. That would use half the 2 cylinder dwell value, or 44° to 49°. For largest in spec gap, I would shoot for 44°. Here I got 44.1°, pretty good I think .....