So what is the biggest file size I can download with the current ratio?
According to your profile, 190.34 GB… It's not so much about ratio as it is about the difference between your totals. You could have a higher ratio but be able to download less, or a lower ratio like I have and be able to download more. It all depends on how big the difference between the two totals is.
For example, with your ratio of 92.75 you can download 190.34 GB, but with my ratio of only a mere 2.731, I can download a whopping 3.12 TB of data before I hit my minimum ratio. This is because your figures are still in the GB range, whereas I have exceeded that and am now into the several TB range, so although my ratio is lower, the difference between my totals is far greater.
On that note, the greater that these totals become, the longer it will seem to take to affect your overall ratio.
Or is is just the 1 download limit since i cant download anything atm.. ?
There may be something amiss with your account, which sometimes happens to some of our users. I will reset your account now to make it work again.