That's a good point about the issue dates. If we can afford it we'll apply for FLR & ILR it at a premium service centre, as I don't know if I can go for an unknown number of months without a passport.
Yeah, I always think it's a good idea to apply in person if you can afford it. It certainly saves on the waiting time and the 'unknown' while it is being processed. Right now, FLR(M) is taking about 2-3 months by post, and ILR is taking about 5 months, so it's definitely worth paying the extra for a premium appointment.
2. Are you sure it's only ILR? The FLR(M) that I find online (https://www.gov.uk/government/uploads/system/uploads/attachment_data/file/336887/FLR_M__07-14.pdf Section 12, Documents -> Your Relationship, pg 59) seems to say that I would need them. Am I reading it wrong?
Hmm, I was about to say that yes, it's only for ILR and that only people who were applying based on being 'Unmarried Partners' (for which the requirement is 2 years of living together) need to provide the documents, but actually I think you're right - it looks like they've changed the July 2014 form to ask everyone to provide them.
Apologies for that - I hadn't noticed that they now required everyone to provide them for FLR(M), not just unmarried partners.
So, in regards to your question about the 6 documents:
It doesn't matter which name they are in - married or maiden name - as you will have proof from your passport and marriage certificate that both names are yours. What is most important is that you have documents in BOTH your name and your husband's name at the same address, in the same time period - either jointly addressed or separately addressed.
So, you ideally want to provide one document each per 4-month period, dated around the same time as each other if separately addressed (i.e. one document each from Jan, one document each from May, one document each from Sept, each year... or whichever months you are providing documents from).
The Life in the UK test is different in that you HAVE to make sure that the document you use for it matches the name on your passport/BRP exactly (right down to the middle name), or they will turn you away... so you just need to make sure you have a document you can use for that which meets the requirement.