You set this number. That's the actual distinction and it's not a small one. The Commission has been explicit that these reforms don't impose income checks or general affordability requirements. You pick your own cap based on what you know about your own finances and the operator has to honour it consistently. There's also a rule that if you ask to reduce a limit it takes effect immediately, no cooling-off period, which is the opposite of how operators used to handle it.
Whether the wider direction worries you is a separate argument. This particular measure hands you a lever rather than taking one.