That size thing MAY be increased for contributing members. I know that you can get unlimited photo space by contributing.....in fact, in spite of all my other expenses, I'm about to make another contribution as this site is SO worth it. I just keep trying to save for that forth gecko so I can slave my Xaxis racks.
P.S. For my Avatar, I wanted to have the text (for the upcoming contest) gradually increase in size, flash and then repeat, but couldn't fit it in the file size.