Yep. To all. Except, really, nobody truly expected the Brexit referendum to pass. Certainly not Scotland and Northern Ireland, who voted against it.

And in the unlikely chance that it was revisited by a second referendum, I doubt it would pass now given what people are aware of that they were not before. But that's a moot point - there won't be a second one. Someone, somewhere, is making a financial killing on this and won't give that up plan easily.
If she'd been Tier 4, she'd have to leave when her studies were over - hence using this route. I wasn't about to move over here for however long it takes her to get through school only to have to move back to the States again. As far as I'm concerned, this was a one-time, permanent move. Unless they throw us out.
At present, she can work, but has to live in my home and can't earn enough to live on her own, to remain dependent. After five years, all of that won't matter. So, another 44 months to go. The PhD would take up at least 36 months of that, at a minimum, if she can get the tuition funded. Which is ok. Otherwise she'll have to work part-time and save up what she can for it. If she waits until she's been in-country for three years (another 16 months) to start the program she would qualify as a "home" student and the tuition would drop from about $22,000 a year to about $5,500 (which I can handle). So that's probably what's going to happen if they don't fund her as a foreign student.
On the 3-year retire-get-out-of-jail-free-card route, I only found it by looking at the actual application form. But unless they are keeping that (doubtful), it's a moot point ala Brexit. Again, if we'd made the jump a year earlier, we'd be skidding in under the deadlines. But I wasn't ready to retire and she wasn't finished undergrad, so that's the way the dice landed. We're in a decent enough place with decent enough options. She is just chafing a bit, wanting to get on with life.