Managing an S-Corp (after switching from a Sole prop)

I moved to Nevada (from Cali) in August and opened a Nevada LLC in November. I'm all set up on Payroll (using Gusto) and believe I have that figured out. I just sent in Form 2553 to the IRS. I have a few questions I'm hoping someone can help with!

1. I capitalized the LLC with $2,100 (mostly to avoid Chase fees) and want pay myself back. Should I account for this as a simple loan and transfer it back? So it's not counted as income.

2. I filed the LLC in Nov to give myself time to open up all the accounts and stuff and was careful not to do any "business" for the remainder of the year under the new LLC, hoping to avoid filing a return (I will only file my personal return for 2020). Is that correct? In form 2553 I entered the effective date as Jan 1 2021.

3. How do I distribute extra earnings outside of Payroll? I can simply transfer the money between my Chase accounts, right... the important thing is how to account for that dividend on both form 1120S and my personal return? I am careful to only pay my payroll through Gusto.

I know y'all will say hire an accountant or whatever, but I've managed pretty well doing this stuff myself. I was CLOSE to doing EFTPS payroll payments myself... but Gusto (so far) is money well spent ($25/mo).