This should have probably been posted in the "How to make userbars" section, the "New Userbars" section is for posting new userbars you have created. Anyway, there are lots of tutorials here
http://www.userbars.org/forum/index.php/board,20.0.html some of them may work in Photoshop 5.
Yes you could download Photoshop CS for free, but thats illegal so no

, You might be able to get a cheap copy off ebay though.
I would recomend Photoshop Elements though, visit the Adobe Website and download a free trial, I think its better than CS, but thats for you to decide.