I accidentally noticed that when toggling temp allow for a page (no reloading), the cpu briefly spiked to 40%-50%.

Thinking that this is abnormal, I investigated a bit and found the cause. When you toggle temp allow, NS casues Fx to write the entire prefs.js to disk. When prefs.js is relatively large (~ 100K) Fx2 spikes to ~ 50%.
I don't have any issues with high cpu utilization on disk access, so I think this is a Fx inefficiency when saving prefs . And sure enough, in Fx 3.5.5 the cpu spikes with the same 100K prefs.js don't go above 15%, which is still probably too high.
If NS used its own pref store (which has other benefits also) and on top of that did not save temp allows to disk, I don't think there would be any spikes at all. But even with the current system, maybe you can avoid saving all the prefs for temps?