The size limit applies to everyone, so curators don’t have any special abilities here.
If you really don’t want to adjust the resolution of your file, the easiest solution might be to split your KML into multiple smaller KMLs that can be used collectively in searches or a project.
Alternatively, you can download the iNat data and process it in your own GIS software. That might not be practical if you have a lot of observations on your checklist, though.