Windows 10 is way richer than Win95 - there were countless big features added since 1995 (all enterprise and security features, backups, full disk encryption, ...), plus existing features got way more complex - multimonitor support, support of complex USB stack, GPU support etc. IIRC, out of the box Win95 didn't even have DirectX! Still, of course the total sum of changes does not justify the 133x size increase.