The main hope of a library is that people will have access to the materials they need and not get blocked by arbitrary low checkout limits. The limit is mostly just to keep one smart ass from checking out over half the library. If you have a smaller library, it may make sense to have a smaller checkout limit. As one who works at a library with a max checkout of 100 items, very few people ever check out that many items and the ones who do are usually super homeschooler’s who use a ton of children’s books in their curriculums. That or people who are working on a very large music collection. Most libraries also use self check units, so staff may not even know if someone is pushing their limit. As long as the books come back and in one piece, they also don’t usually care as increased circulation can actually help library funding.