Better without that annoying 4kB 63KB limitation!
Also:
:set $data "up to 63KB..."
/tool fetch http-method=post http-content-type="application/json" http-data=$data url="https://testserver.lv/index.php"
https://help.mikrotik.com/docs/display/ROS/Fetch
Then, for downloading “chunking” can be used when the server supports it. I don’t know if “chunking” is also supported for posting.