Hello,
On further research into my saved scans of our old visas, I admit that I was wrong when I stated that our ILRs had "no recourse to public funds".
This restriction was stated on my Tier 2 Work visa (for us both), but does not appear on the old scans of our ILRs that I have been able to find.
So, thank you Jedi, for pointing out my error.
I rreferenced my memory (into which that restriction had been repeatedly burned during our first 8 years here) instead of referring to our (at that time) current ILRs.
(Although, during my searching, I see that my ILR issued in 2018 had Remarks of "Indefinite Leave to Remain" while my wife's replacement one issued in 2023 had Remarks of "No Time Limit". No practicable difference).
One item that we have avoided by becoming UK citizens is the crazy issue about the "expiration" of the physical ILRs (at the end of 2024).
While the Home Office has issued guidance that, due to IT problems delaying the implementation of digital ILRs, the physical ILRs are still valid, I am glad we would not need to explain this administrative subtlety should it become an issue.
(And if you expect the Home Office to get this IT issue resolved anytime soon, you have a greater expectation of the abilities of the IT staff than I do (and I worked in Customer Support for some 20 years).
Instead, by becoming UKC, we are avoiding all these issues and questions.
I cannot repeat that statement enough.
We are not involved with these issues and questions.
And so sleep soundly when the Heathrow border control systems go down
Being able to prune several major branches of my memory's admin tasks is priceless (as Visa adverts say).
(Examples: When do our visa expire? What historical docs do we need to keep? Do we need separate bank accounts so that we can each prove our residency? etc.. These questions have straight-forward easy answers. My point is all the effort needed to maintain the answers in my memory.)
The only reason that I still have files for our original visas and their various renewals is simply my sheer lethargy. At some point, all that info will be deleted. And when that happens, many thousands of my neurons will become free to worry about more important issues, like how the accents differ between Reading and Bristol and other important questions.)
I suggest that if you read my response, you will detect a hint of what becoming a UkC will give to you (and yours).
So all I'll say is "go for it".
You will not look back.