Being new I assumed it was safer to take coins at 0.001 to my wallet, to protect against the pool being hacked or going away ...
Why does it matter what my wallet was built with?
If the wallet now holds BTC50 and I pay out BTC10 surely it matters not that the BTC50 was saved up pennies ?
I will try a simple analogy:
If you have 500 coins worth $0.10 in your wallet, you have $50.
If you have one $50 note in your wallet, you have $50 as well.
Now if you go to a shop, and try to pay a $50 item with 500 $0.10 coins, the cashier may look at you in a weird way and you will get many haters if there is a queue behind you. That does not happen with the $50 note.
This is because altough theoretically with the same value, in practice, dealing with 500 small coins for a $50 payment bears a much higher side-cost (read money handling) than a $50 note. The same applies to Bitcoins, and it translates as much higher transaction fees.