Let's be careful here. Mosquitoes flew low-altitude day bombing missions. In 1942/1943, they flew
726 day day bombing sorties, often deep into Germany. They lost 48 aircraft, for a total loss rate of a quite substantial 6.6%. The Mosquito has an excellent mission survival rate because they stopped doing this.
With a two-stage supercharger and the bulged bomb bay, a Mosquito could exceed 400mph with the 4,000lb cookie, at 30,000ft. It exceeded 400mph by more, after it dropped the 4,000lb cookie. Until very late in the way, Germans fighters could not do anywhere near 400mph at 30,000ft, so Mosquitoes were fairly safe from fighters. The 4,000lb cookie was just a big can. Was anybody developing a powerful bomb that could be dropped accurately, and mounted into a Mosquito?
The old, single stage supercharger Mosquitoes were faster than the two-stage supercharger Mosquitoes at low altitude, which is one of the reasons they kept building them. A fighter plane like a Spitfire or a Mustang requires high performance anywhere from sea level to 40,000ft. A bomber like a Mosquito, needs to be fast at its intended altitude, 30,000ft, or 1,000ft. All the other altitudes do not matter.