That's right, the dosdriver for cfd does require the fat95 handler.
A word of warning regarding fat95 for use with floppies though... I used to use it and besides the fact that it never told me when i ran out of space on disk, simply leaving the file incomplete, it totally munged up my floppy drive.
I hope that this problem was fixed now that people are relying on it for use with their expensive flashcards?