Testing with Postgres, a 2000 char random sequence doesn't result in TOASTing, but a 4000 random sequence does get TOASTed
And for kicks, 4000 chars that aren't random compress well enough that they don't end up in TOAST.
I think this limit can be adjusted, if you know that your message limit is 4000 chars its definitely a good idea.
Testing with Postgres, a 2000 char random sequence doesn't result in TOASTing, but a 4000 random sequence does get TOASTed
And for kicks, 4000 chars that aren't random compress well enough that they don't end up in TOAST.