I'm in kind of the same boat as you, in terms of the uncertain funds. I have a British passport that says I am a UK citizen on it, but I have only spent about five weeks total there in my whole life, and I am for all practical purposes an American. I'm sure the British people will think of me as an American.
My wife, too, is an American. We just got married a month ago after a long engagement. For as long as we have planned to marry we have been tentatively planning to make a permanent move to the UK.
So with my passport, there's no question that I can and will make this move and take my wife, but first I have to go to the UK on my own to "set up shop" on my own and pave the way for my wife and kitties. Move to Britain and get the first job with a reasonable income and get the first home I can find that meets our necessities, that's my mission more or less.
I am a lowly artist who has never really made much money. I haven't even bothered to keep a bank account for the past three years. I have almost no money, and my wife's savings (she earns a far prettier penny than I) is pretty much just enough to get us to the UK, tickets, PETS fees, Spousal Settlement Visa Fees and all that, plus the big road trip that we have to take to say 'ta-da' to our families and friends -- all that's gonna wipe us out by the time we hit the ground in England!
So the BIG CONTINGENCY is whether or not, as a Yankee with a UK passport, I can get a good enough job (I won't be picky and will take anything I can get at first, just to get us over there), secure a home, and open a UK bank account. I have a huge fear of coming up short in the finance department and therefore not being able to get a Visa for my wife. But then again, it seems like most of the people on this forum have had fair to downright decent experiences in getting their own Visas, so maybe I have nothing to fear so long as I've got SOMETHING cooking in the UK.
I guess I'm going to take a bundle of paintings and art materials with me too, in case I find find an opportunity to turn them into cash money, but that is always a matter of luck. Most likely I will have two jobs: one washing dishes and one picking up garbage, because other than my art skills, I've got nuthin'!
But this is something of huge importance to my wife and I. We see a whole lot more sense in doing it sooner rather than later, as one of the reasons we want to make the move is we believe there will be greater financial opportunity for a guy like me to support a family to our standards -- and let the Misses go back to school like she wants to and perhaps one day raise a dual national baby or two...
Good luck to you on your venture! I will be arriving on my Mission not long after you make your move. I can't wait to stop reading and writing and talking about it and just be there and feel British earth beneath my feet!