"Programming economy" is probably the reason the original `.dbf` file designers have chosen to use an EOF marker.
Using just one byte as EOF marker is quite more "cheap" than repeated calculations every now and then.
Also, calculations are time consuming (and power hungry) and more prone to errors compared to locating a simple character.
By the way, I think that one of the main reasons the markers have been invented, thousands year ago and do still exist, was/is exactly that: to avoid the repeated calculations.
regards,
Pete