I commented further down, but I think you are confused with this bit:
RCS limits attaments to 100mb! What the hell, why? I can, today, send 100mb over SMS/MMS, on Verizon, to other Verizon phones. RCS would be a step backward.
The maximum file size for picture/video messages depends upon the device software and device’s network capability. View the signal indicator on your phone to determine which signal is being received:
I commented further down, but I think you are confused with this bit:
This is not true by any means. See here: https://www.verizon.com/support/knowledge-base-14641/