Clay,
I did a little reading to try to help with this situation. My thinking is that you dont need to heat the 1095 steel any higher than 1475 degrees for your quench. I think your problem is the oil and uneven heating and/or cooling. I think you need a faster drop in temp to get it done. So, you may have to use brine or Parks 50. Parks 50 made a believer out of me.
May I make a suggestion? Harden a couple in the manner you describe above in the effort to make the correction. Test them to destruction. Again, I think this is the wrong approach, but it may take doing it to be convinced. That's natural. I'm that way myself.
Then follow your earlier recipe, only use a faster quench and concentrate on the even heating and cooling. If you need to, send me a couple and I'll quench them in my Parks 50 and draw them and send them back to you to test.