Most of the time this will work and I may end up doing it eventually (does anyone have a junk 95mm filter they’d like to donate to the cause?) but I’m currently wrestling with a real challenge. I’m trying to photograph a very specific subject that requires the absolute extreme limits of movements on my 5x7 (with 4x5 reduction back). I can just make it with no filter mounted, but I get very slight corner vignetting with just a 95-105 step-up ring, nearly unusable vignetting when I screw on a 105mm filter, and even worse still if I use a 95mm filter without the step-up. So an empty 95mm filter used as a lens-cap spacer needs to be removable, but as it's still more stuff to deal with in the poison-ivy patch it's a non-starter, at least right now.
I’m hoping an answer to my original question will guide me to the right lens cap.