Question about maximum database collection item size

I recently saw that in the wix corvid api reference it now says the maximum item size in the wix data section.
But I have a few questions about it. Is the limit calculated on the total amount of characters of all fields of that item? Is the limit actually 200kb, because I tried to store more than 200kb and it returned no error. But when I tried 600kb it did return a payload error.

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I am following this post. I saw in the API you can set up external collections. I am thinking that for CRM this is a better solution than some other integration method not sure about data security though.