The payout has been fixed at .1 for a long time but pre 1559 we auto paid out small unpaid balances once per week/month depending on the amount on inactive wallets. Post 1559 we removed the auto payout for small amounts and the only option was the .1 threshold, didn’t mean it was brand new, but you could get paid out at less pre 1559.
anytime you’re transferring crypto there’s going to be a fee, the best option really depends what you’re trying to do with it, exchange/sell/trade/hold.
If your exchange supports wETH then the total fee to move your .005 hiveon pool balance to say crypto.com exchange to sell/trade etc would be around 1-4 cents and the transactions are near instant.
Now if you’re trying to swap for usdt on defi then yeah, you’ll have to pay gas fees.
More options = more better, you just need to leverage the best option for your goals. Crypto is all about options and features, pick what works best for you.