if you actually ever owned a CGA monitor and adapter you would be glad to be rid of them.
i dont like VGA very much
you need to learn more about display technologies- there isn't necessarily a "CGA mode" or a "EGA mode" they are called that merely because that was when they were introduced.
"CGA" in my mind is 320x200 with 4 of 16 colours. Awful, just awful. This is why most people opted for the MDA at the time.
EGA added some modes.
it still supported the CGA modesVGA, which for some reason you don't like although I suspect no reason- added two main modes, 640x480 at 4bpp and 320x240 with 8bpp. other modes with more resolution could be gained by tweaking about with the VGA registers. the VGA also supported All of EGA and CGA's modes.
Anything above 640x480 with 256 colours is some form of SVGA.
windows 3.1 doesn't have a CGA driver, so you must be forcing it to use the Windows 3.0 driver.
you can't force windows 95 to run in CGA because it cannot run windows 3.0 drivers.