Hmmm... The key word is "progressively". Windows 95 was still an extender started from DOS and using its file access subsystem.
I clearly remember I made some tweaks so I started the computer with DOS and could choose between launching Windows 3 or launching Windows 95 from the command line. And after shuting down Windows, it returned to DOS.
The default was to launch Windows 95 (from autoexec.bat?) and powering down the machine when shutting down 95, hiding the fact that DOS was still there.
One note: every time I have told that story, someone insisted that 95 wasn't just eye candy. Of course it wasn't, it switched to protected mode so DOS wasn't active. But the file subsystem was not different and it showed.