It's largely a problem of the m100... it has a small receive buffer, 64 bytes, and highly software driven display.
But it also depends on the peer and the degree to which it is expeditiously monitoring and possibly "looking ahead" in incoming data for xoff to flow off its sending process when the model t request it. So a single answer is not possible since it is potentially different for every peer system. Add in issues with the m100 doing anything else... like displaying text on the screen and it can be quite slow. Linux in particular is a poor peer in this regard. To get reasonable speeds xon xoff isn't really appropriate and you should really roll your own hardware flow control. With hardware flow control you can use even 38400 or 76800 speeds without data loss. Windows seems to allow higher than usual baud rates with software flow control. Probably still 9600 or lower I would think. -- John.