I don't want to server transfer, but if I ever did want to in the future I find the gil limit on transfers too low. 3m on your character 1m on each retainer for a total of 5m. In about 1 month of playing ARR I already made 10m gil.
If you think about the future and how much money people will make there needs to be a higher limit. FFXI had no limitations on how much gil you could server transfer with.