IP65 doesn't support TCP flow control. Therefore it doesn't make sense to write a program receiving a significant amount of data via TCP using IP65. From that perspective it makes sense that IP65's HTTP client doesn't allow to handle incoming data with a callback but requires a buffer being able to hold the whole HTTP body.
However, on the Apple II there's the Uthernet II card with its W5100 Ethernet controller chip. That chip has it's own TCP implementation supporting TCP flow control. Therefore the wget65 program uses the W5100 TCP capabilities for the HTTP client.
But even with the W5100 TCP implementation in place IP65 still plays a role for the wget65 program as it desires DHCP and requires (usually) DNS. Both are not supported by the W5100 capabilities.