array of CArrays not optimized correctly

It looks like dereferencing an array of CArray objects can causes MFC to call the [] operator, instead of inlining it, even in Release mode. Presumably this is why:

int CPlaylistDlg::FindHotKey(DWORD HotKey) const
{
    int Patches = GetCount();
    for (int i = 0; i < Patches; i++) {
        if (HotKey == m_Bank[m_CurBank][i].m_HotKey)
            return(i);
    }
    return(-1);
}

generates twice as much code as:

int CPlaylistDlg::FindHotKey(DWORD HotKey) const
{
    int Patches = GetCount();
    for (int i = 0; i < Patches; i++) {
        if (HotKey == (*m_Patch)[i].m_HotKey)
            return(i);
    }
    return(-1);
}

Oddly, this is bad too:

int CPlaylistDlg::FindHotKey(DWORD HotKey) const
{
    int Patches = GetCount();
    const PATCH_LIST    *p  = &m_Bank[m_CurBank];
    for (int i = 0; i < Patches; i++) {
        if (HotKey == (*p)[i].m_HotKey)
            return(i);
    }
    return(-1);
}

but this is fine (1 line longer than original):

int CPlaylistDlg::FindHotKey(DWORD HotKey) const
{
    int Patches = GetCount();
    for (int i = 0; i < Patches; i++) {
        if (HotKey == m_Bank[m_CurBank].GetData()[i].m_HotKey)
            return(i);
    }
    return(-1);
}