Holy shit, just why? It makes virtually no difference. Neither applying CSS (they already use a lot) nor loading a file take any time.
I'll have to run an extension that will be injecting JS/CSS into every page, to get the same effect. That will likely be slower. Not a speed improvement exactly.
At least it's more powerful. I can replace any rule inside already loaded CSS. Useful to escape this braindead age of "font-size < 16px && font-weight < 400".
Antivirus software does add a measurable delay to file operations sometimes, and each file is gonna be in its own sector so I could see them losing at least a few milliseconds there. Applying CSS does add overhead but the average user can't have that many rules in there so I suspect it's purely on the file i/o level.
And yes, file I/O was the issue.