But I read on the memberships page that we're charged 5% for payout. And if we exchange ECUMoney to LibertyReserve in SwapGold, it's about $0.02-0.03 for every $1.
Yes you are correct. 5% fees is charged on your total payment. Last time, I requested 15 credits, and I got paid 14.25$. Exactly 5% fees was charged.

I got a very noob question here since I'm very new in PTP forums Dec 25th is only a few days away, will the forums be unaccessible on holidays? Sorry for this stupid question
No, you can access this site 24x7 hours, unless and until it faces any technical problem.