when is too much?

was wondering what other players think is too much? with lower build times of orc spears....is a million troops in one castle too much? two million? ten million?...with alliance gold is a billion gold too much? two billion? ten billion? next question.....is it fair to bring over this amount to broken lands with current alliance transfer or should it be left  only on the current side? how should alliances be allow to transfer current alliance funds or are we going to allow this alliance advantage to able to transfer to broken lands?  i would love to hear the devs to respond to this forum topic also.... 20 castle accounts....oh my oh my when is it too much?