I could't imagine a limit of 5K on trades. I don't even fellowships insisting I place small trades for small players. Simply because a trade is open to anyone in the game and there is no guarantee that my small trade will be taken by the small person in my fellowship. The fellowships I play in take the opposite approach of asking people to regularly post what they need.
That has been pretty much been my approach. I do my best to clean out my fellowships trades at the end of my day, then post trades to balance my goods back out. My trades tend to be large and are aimed more towards my neighbors who can help balance out any goods we are short on as a fellowship. Once in awhile I get a player who asks for us to post smaller trades, and I have to explain to them that unless it's for a quest, it's best for them to post whatever trades they need for us to pick up.
And my pups know how much I dislike cross-tier trading, but even so, back in the early days of the fellowship, I only made it a hard rule to
limit downward cross-tier trades. There are plenty of varying circumstances where one may need to do such a trade, and as long as they let us know in chat that they need it, most of us are happy to help. Abuse of the system is what I'm trying to avoid, and those who like to regularly flood the trader with those kinds of trades had better get used to them sitting around for awhile. Even friendly neighbors will get taxed after awhile. Instead, I try to give them tips on how to get more efficiency out of their cities. I've also adopted Soggy's 5.2.1 ratio for cross-tier trades when they are needed.
And yeah, I've dodged invites from fellowships before that had the 3 star trade rule. All you have to do is add 1 extra goods to your trade to qualify it as a 3 star. Wow, great. If I can afford to be generous, I'm gonna be
generous.
Used to have some friendly competition with a fellow back in my original city on who could do the best trades. Most 3 star trades get snapped up by folks outside of the fellowship anyway unless both parties are on arranging the trade. I'd much prefer players to post what
they need, even if it's a "bad" trade, so we or a generous neighbor can get it and assure the goods went to the one who needed it. We've done plenty of 4.1 circle trades with new pups to get them going, explaining all the while that they shouldn't get used to it.
In the end, my fellowship rules and policies on trading are aimed at limiting abuse of a system, helping my pups enough without carrying them, and encouraging self sufficiency. I wanted to avoid "absolutes" that might stifle our needs, without saying that "anything goes".