EDIT:
I did not understand what you specifically intended for the iPhone. In this case, I would use the DB just for simplicity to have all the content in one place. You do not have to worry about scalability, because it does not look like your iphone will be used as a server or something else.
Original answer:
I have no references to this, but I remember how several studies said that the "cutoff" is 1 MB for blob efficiency. But it can move up to 10 MB with a fairly fast disk array. It depends entirely on the system.
So, basically, taking into account the efficiency cut-off, any data smaller than this is better served by the database, whatever, simply indexed in the database and left in the file cache.
Neil n
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