first off all congrats to your very impressive run, I guess you bet baseball right? When it comes to live chats, they will ask you for all different kind of data (incl password) on a random basis, I had that before (at 5dimes as well) and its all good, dont worry about that. When it comes to the payout I cant help you, I am from germany and I can use Moneybookers and Neteller for all my transactions.
As far as I know from some of my friends in the US, ** seems to be a really reliable service and probably your best pick here.