However I'm having issues or maybe didn't quite understand the process but the template is giving me permission denied in a lot of areas.
Could you provide a direct URL to the page you are having a problem with.
I clicked though quickly, but didn't receive any errors.
Are they only good for me to use as long as I'm a member?
No, your entitlements continue after your membership expires.
And if your membership has expired, you should consider renewing.