There's a lot of stuff going on in the packet driver after a byte is received, causing it to miss the next start bit when using over ~200_000 baud
When using two stop bits (tested by changing serial_mingw.c line 101 - this enables 2 stop bits for everything, which is less than ideal...), the maximum stable baudrate increases to about ~450_000.
Empirically, this translates to ~70% faster loads (testing 200_000 baud 1 stop bit vs 450_000 baud 2 stop bits with a ~430K file)
Relatedly: Can the baud rate for File-To-SD become it's own config variable please?