I'm thinking we might still get the 5 year but if not I know by the time we get the visa I'll already meet the requirements for the 5 year so I'll just apply for that in country. We also both had confirmed job offers which I noticed should be taken into consideration.
If you get the 10 year route under the new rules, you pay about 1k (?) fee for that plus the Immigration Health Surcharge of £200 a year x by the lengh of your visa. i.e. 30 month visa = £500 IHS
If you then change in country to the 5 year route a few weels later, you pay the visa fee for that of ? (someone on here will know) and the Immigration Health Surcharge again of £500 for that new 30 month visa.
You won't get a rebate on the visa fee you have already paid and I haven't read anything that says you will get a rebate of the IHS. Normally when people change visas, they don't get a rebate of the IHS as it was their choice to change visas.
If they refuse the visa application you have in atm, they keep the fee and return the IHS payment.