The free order check tests one order or one limits file. It does not watch the next send. Run it on one real order from the agent before you arm anything else.
A cap that lives only in the prompt is not a cap the checker can read. Put the number in the limits file the checker reads, then run the check again. The guardrails guide is the longer version of that rule. The Desk Kit runs a checker before every send.
Educational only. Not financial advice.