yes it is right, vb stores custom avatars and attachments in the db. i think it's a securityreason, not to allow vb write to your ftp.
but there are also hacks out, which saves custom avatars and attachments to your ftp and not into the db, so after purchasing vb, you should download and implement those hacks.
Nevertheless, 5 MB of MySQL is very low, also for vb without avatars and attachments in the DB
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