We've all heard that 1095 has about one second to get under the nose, but a lot of folks don't realize that time is approximate and varies from lot to lot and other conditions. Within the specification of 1095 the nose can go all the way over and touch the left side of the graph, meaning there can be 1095 materials that will form some pearlite regardless of quench rate.
So, yeah, it's pretty sensitive to quench rate and is pretty borderline for any oil.
There is no vegetable oil that is ideal for this, but canola has properties that work pretty well but I certainly wouldn't use just any old vegetable oil.
Things like AT fluid and other automotive lubricants form vapor jackets and have slow and uneven cooling. Yeah you can skate a file, but it's not a good quench for 1095.
Regardless of the quench fluid there are two important things to keep in mind. First, your quench technique is vital for a good outcome. Mcmastar carr 11 second will work, but you have to agitate vigorously you can't just dunk it. So you need enough oil to quench in to agitate like a mad man. A five gallon pail works but one gallon probably isn't enough. The other thing to consider is that 1095 is a shallow hardening steel, you won't necessarily get the same structures in the spine that you get in the edge. This is why something like 11 second oil or canola oil work, even though you're not getting complete conversion everywhere, with good technique you are in the edge where it matters most.
Quench speeds is greatly effected by oil viscosity so warm oil quenches faster.