With Javascript, you can do something like this http://jsfiddle.net/HU7BR/, with the script in the beginning of the html:
// 1. One way you could make performance better is by pre-caching the image:
(new Image).src = "http://www.massachusetts-prenuptial-agreements.com/wp-content/uploads/2011/05/Sunset-1.jpg"; // pre-cached!
// 2. Another thing you could do is make an image element with the source of your big file and when it loads, dynamically make the background of your body that picture:
var img = document.createElement('img');
img.style.display = "none";
img.src = "http://www.massachusetts-prenuptial-agreements.com/wp-content/uploads/2011/05/Sunset-1.jpg";
img.onload = function() { // when the image loads, do this
document.body.style.background = "url(http://www.massachusetts-prenuptial-agreements.com/wp-content/uploads/2011/05/Sunset-1.jpg)";
};
// that way, the image will be fully loaded before the body gets its new background image
// now delete!:
img = null;