What should I set my payout to?

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Right now I actually raised it from the $10 to $25 due to the fact that I would rather be sure that I'm only be getting one payment a month. I don't like having to always go to the bank and I figured at a higher limit I would be more inclined to see this as a hobby then OMG I'm close to $10 again I have to make it. But now I've been wondering about raising it yet again. The thing I'm using myLot for right now - besides a distraction and enjoyment - is for my summer roadtrip. It's going to be costing about $500 and I want extra spending money too, so while I'm going to be working at home I figured I could most likely make another $50 or so before August 1st hit (when we're leaving). So thats why I've been debating about raising it again so I get the money right before I have to leave and won't spend it on anything else. So what is everyone else's opinion? Do you have yours set at $10? And if I do raise it can I lower it again? Also - about how long does it take for the money to actually completely go through paypal and into your bank account? Thanks! This is the first time I'm actually doing something like this so a ton of questions keep popping up in my mind.