You're right, anything non-rich media should be less than 39Kb max...if it's more, it'll cost more to serve (so less impressions for your client) as the ad will have to be served through a rich media platform.
Just ask them to reduce the file size, if they can't do it...I wouldn't give them the job in the first place!
In my experience working at an online media agency, graphic designers have never had a problem doing this...
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