I reckon you are a software developer? I trust the decisions and abilities of the electrical engineer who build the board.
I am a SW dev as well (with a Master degree in informatics), so I wouldn't even dare to judge a decision by a HW guy.
Further, it is not surprising that BT is full speed on a mobile device, as it was designed fro mobile use, or at least for energy efficiency.
WiFi on the other hand was not AFAIK. So mobile chips cannot be expected to deliver the full speed. And I think you said 3MByte max, because you know that 54MBit/s is just a theoretical number. so 950Kb is 1/3 of the max speed and that in a mobile device is alrite for me.
It is enuff for streaming all kind of video content (except DVD AFAIK). And I will (hopefully) transfer 6GByte files very seldom
For the record, can some Pandora owner try a USB stick and tell u show fast this is? This would a solution for guys who would like to transfer big files often.