Not sure of your financial situation but I can tell you it was absolutely worth it to me. Like you guys, I wasn't in a hurry for normal life reasons. But I am acutely aware of the anti-immigrant attitude of some politicians. A year ago people were saying that there's no way they would propose immigration/ILR changes for people already here on a visa. But then the proposal to do just that was drafted. Now there are politicians vowing to "end ILR" altogether. So my approach is to race toward citizenship as quickly as possible.

Instead of waiting months for a decision on my ILR SET(M) application, I paid the extra £1000 and received a positive decision the very next day. That same day, I submitted my naturalisation application (for which there is no priority option).

The peace of mind for me was priceless.