"Transaction is too big" is about size in bytes, not in IRD.
Meaning?
This error occurs when the size of the tx in bytes is too big, not the amount 'size'.
The tx size depends of the amount :-) but also the decimals, the mixin, the median block size and what is already on the mem pool (pending tx waiting for a block). Also, if you already have pendings tx in the mempool, you have to wait the next block for them to be purged and give room for nexts.