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my guild has 9 members.
yes you get the bonus by default.
each rank you put into the skill lowers the bonus, but increases the guild size that can still benefit from it.
if you are below the baseline cap, you do NOT want to put points into it, because that just lowers your bonus, and i haven't seen a way to reset guild points.
Just test it, complete one of the dailies and see how much it contributes
it's proportional. the baseline bonus (assuming you have put no points into it) will double whatever you earned.
get a 10gp reward, the guild gets 20gp instead.
get a 20gp reward, the guild gets 40gp instead.
so on.
thanks for explaining it.