I am thinking that, because of these things, my application will not be considered straightforward and I would hate to loose the app fee if I try to apply in person only to be told that I need to apply by post.
Worse case ..... it cannot be that bad! Worse case is that they cannot decide the application on the day, and need to look at it further, in which case they will hang on to it, and possibly pass it to another office. But you still get charged the £595 because you applied in person, even though you end up hearing by post. That is the worse case.
That is, no chance of them saying, you have lost your £595, now go away and pay another £395 .... that would not happen!
But that is worse case, I think that if you write a covering letter explaining :-
My husband is medically retired. He draws incapacity benefits, pension credit and DLA. Collectively we have a £7000 in a bank account and once I get my FLR, I have work that I can do from home lined up to total about £800 a month. Our rent is paid through benefits. The water and TV license is included in the rent. The only thing we pay each month is electricity, telephone and groceries. I take public transportation when I go out so we have no car expenses or insurance. In actuality, he is able to support me without me working on what he receives.
Because of his disabilities , I do not plan on seeking work outside of the home but once I get my FLR, I have work that I can do from home lined up to total about £800 a month. He needs daily care with all his personal living needs and would be quite disadvantaged if I were not here.
-: and indeed enclose a monthly budget proving that you don't need to claim certain Public Funds, you should be OK applying in person. But not possible to give any guarantee.
Also do appreciate that if you are earning say £800 pm then that might have an impact upon the HB and CTB claims. The rent and Council Tax currently being paid 100% by benefits, but that might not be the case once you are earning.