btcguild is awesome 'cause of the 8 decimal payouts and the fact that you can choose what to give back.
That's definitely something that would be useful, considering my crappy abilities 
I do recommend going with 2.5% or more because you don't wanna have spent 5 or more hours on a block that ended up being invalid and not being paid for the work you did. I'm mining over there now to see if their policy that intends to stop pool-hopper from taking away from 24/7 miners is working.
Can you explain more on what you mean by these two things? I assume by the 2.5% you mean giving a percentage back to btcguild, but how does that end up helping you?Also, I'm definitely not a pool hopper by any stretch of imagination, but I don't have a computer I can use 24/7 for mining. Would this new policy affect me?
Thanks for the help!