I think the question needs to be asked, are the bytes being added by SSL causing a serious performance problem? If it is not, don't bother. Just as
premature optimization is the root of all evil, getting "clever" with security leads to security problems.
The bytes SSL adds to the stream are probably either padding (which any encryption scheme would require) or key negotiation (which you'd need to be "clever" with), so the net savings of rolling your own would be nearly zero at the cost of introducing untested security into your application. Not a good tradeoff.
If there is a network bottleneck, I'd look into getting a fatter pipe (throughput is cheap) rather than mucking around with reinventing the SSL wheel.