Hi Rick,
I agree that 96 MiB is not large in itself - it fits perfectly in the RAM; we just have a 4 MiB limit in the kernel. I'm not sure what is the exact reason; I will try to get more info by next week.
In the meantime what you could do is to copy the file to a RAM filesystem. In a terminal, when logged as "root":
mkdir -p /mnt/ramfs
mount none -t tmpfs -o size=256M /mnt/ramfs
Then you can copy the file in /mnt/ramfs. It is a virtual filesystem that lies in RAM, so streaming from there will be much faster than from the SD card.
-Paul