I've managed to do basically this with my forum, I'll post a template modification thread once I get it all organised. You can see a demo here:
http://forums.ffextreme.com/member.php?u=1
When you're logged in it shows a post user note box at the bottom.
I believe usernotes automatically takes the char limit from regular posts (it also uses the postbit template). My postbit is rather large, and I didn't want the big postbit in the usernotes, so I had to add some code to my postbit to exclude a lot of things if it was viewing in usernotes.
I'd also like an auto-PM though.