Since you are new to the programming world, there are a few things you need to consider:
1) Most importantly, your focus should be on the 1.0 version. It's good to have vision on where the app is going in the future, but without v1.0 there is no future. Don't "future proof" your code, especially since your coding skills will improve rapidly as you develop the app.
2) "Premature optimization is the root of all evil" --Donald Knuth
You won't know where the bottlenecks of your program will be until you write it. As you are learning, don't spend time outside of Apple's recommended API's until you are sure that it will benefit you. If your optimizations make the code more difficult to understand, verify that the benefits are worth it.
3) What do you expect users to do with the 1.0 release?
CoreData is fast for accessing and writing data, but it's not good at querying large datasets (see Brent Simmons blog post about switching from CoreData to SQL in NetNewsWire if your interested). If you envision thousands of database entries with your v1.0 app, then some version of SQL is the better choice. Since you mentioned loading the entire file at start-up, this is not likely the case for your app especially at v1.0.
So based on what you've written, I'd say use CoreData.
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