Why is the SD library slow?

Is it possible to create a file on the SD card with a variable name. (a name which is desided be the program)

so instead of
file = SD.open("Test.txt", O_CREAT | O_WRITE);

I would like something like...

int variable;
file = SD.open(variable, O_CREAT | O_WRITE);
.. and the variable changes from time to time so there will be created many files on the SD card, I was thinkin of using this for logging data from a meter, and have new file for each day / each week / each hour...