PERF: read_csv GH#44106
- [x] closes #44106
- [ ] tests added / passed
- [ ] Ensure all linting tests pass, see [here](https://pandas.pydata.org/pandas-docs/dev/development/contributing_codebase.html#pre-commit) for how to run them
- [x] whatsnew entry

Using the example in #44106 I time 188.4s on master and 3.9s on this PR.