----edit---
my tx fee is set at .000001
-----end edit----

alrighty well after some tinkering.. for those in the same boat...
if your wallet is locked (as it should be) use

walletpassphrase


create a new address -
 
sendtoaddress

send as large of a tx as your can, and keep upping the amount..
 ie
sendtoaddress 5
sendtoaddress 8
sendtoaddress 13
sendtoaddress 18
sendtoaddress 26
sendtoaddress 38
sendtoaddress 54
sendtoaddress 71
sendtoaddress 95
sendtoaddress 116
.....


now i can send larger tx, downside is that you have to pay the tx fee each time, which is no different than sending it any ways...