Re the question of how a car can post a terminal speed in the 90s and yet take 2 or 3 seconds more to hit 100...pretty obvious really - the last bit of the quarter mile where the terminal speed is recorded is the hardest work for the engine. Youve got full traction, in probably 4th gear, foot flat on the floor, fighting against more drag in air and rolling resistance than on any other part of your run. Thats why it takes a few seconds to do the 90-100 stretch, whereas the 0-60 could be over in say 6 or 7 seconds.
To take mine as an example, mine does 0-100 in 14.2 sec. Itll quarter mile in 14.1 @ 99mph. Its doing 80mph in 9 seconds at the 1/8 mile mark. Therefore the extra 20mph in acceleration and 1/8 mile takes another 5 seconds or so. Even a simplistic division of that 20mph over 5 seconds (assuming a constant acceleration from 80-100) shows it takes 1 second for every extra 4mph. And thats my car that makes around 230bhp/ton and runs low 14s all day long. So with a car that quarter miles in mid-high 14s generally, as a lot of CTR, 172 etc do seem to, its not surprising that even if you cross the line at say 95, itll still be 16 or 17 seconds before you hit 100mph.