You specifically say that you don't want to have to create new groups, but I just thought I'd point out that adding secondary user groups will increase sizes/permissions but won't decrease them, so if you created a usergroup with no permissions (or copy your current Registered User group) and just increased the signature limit, then added that to a user as a secondary group, you could achieve what you want without changing the primary user group (except denying the signature, for that I guess you'd have to set the Registered User group to deny signatures, then add everyone to a secondary group).
BTW, the rule seems to be (when combining the primary and secondary groups) that the highest number is used except in cases where '0' has a special meaning, then 0 overrides other values.
If you knew all this already, then feel free to ignore me.
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