My USCF floor is based on my peak rating, but the most l’ve ever won is $250, and that was not in a restricted rating section. The most I’ve won in a restricted rating section is $166 when I was in a four-way tie for second in the Reserve section of the Washington Open.
I played in the World Open last summer. Online. Got clobbered. Most of my opponents were children.
Most of the big money in restricted rating sections is won by underrated 12 year olds, anyway. If you play well enough to tie a couple of these kids at the top, your haul will likely keep you below the threshhold.