Hi Lucas,
I downloaded the datasheet and saw this weird change.
It is easy to find 5V (TTL) canned oscillator.
When applying a square wave to the MCU as a clock, you can apply 5V when Vdd is 5V also.
Cannot you use a 4.9152MHz crystal in your application and any frequency canned oscillator for programming ?
I don't see anything forcing you to have the same clock for both, as you will not execute in MON08 but just program the Flash. The only impact is a change of baud rate.
Alban.