I had intended to apply in mid-March, with hopes of having citizenship in time for the Scottish referendum vote in a couple of weeks. But when I couldn't find my LitUK certificate (it's here somewhere...), I wasn't able to do it right away. And by mid-April, it seemed less and less likely that I'd get it all done in time to make a difference. So when other, more pressing expenses came up, I just decided to put it on the back burner for a while.
Looking through the other posts, I think I was probably right. That £900 has definitely done me more good than it would have if I'd sent it to the government.