I dont think we will never get any benefit from a 95 MB/s card. [...] I think the HW limit is 37.1 to 37.3MB/s
You may be right.
But I could swear that I saw a few benchmarks from the 650D in one of the older threads which stated 42 Megabyte/s speed.
And since the camera supports UHS-I the hardware should be capable of doing almost 50 Megabyte/s. But there's only one way to find out what's the real limit: Turn the mode dial to "M", disable LiveView and run the Read/Write benchmark ("Debug" tab -> "Benchmarks" -> "Card R/W benchmark (5 min)"). After the benchmark finished, upload the .BMP image from the SD-Card and post it here.
Please do that with a 45 Megabyte/s card and a 95 Megabyte/s card so that we can see if there's a difference or not.
And make sure that you are in "M" mode with the LiveView turned of, since we don't want the firmware to limit the speed.
The more information you gather the higher are the chances to find and remove the current limitations
