DV - thank you so much, inspirational and wise words. I am so sorry to hear about your ex-colleague though, how very sad. I cannot understand people who just work work work as you say, it seems so pointless...
Quite scared of the cycling as I've basically never done any in my life (well, I had a bike as a kid, and 5 years ago did 65km downhill on Bolivia's 'death road' - but that hardly counts!) so I do feel I should buy a bike before committing. Similar with swimming, can only do breast stroke and most I've ever done non-stop was about 1km I think, and that near killed me!
Barry K - saw you over at the IMCH thread, glad it's not just me! Thanks for bringing up the subject of money... it's going to be my biggest issue too. Could put a hold on this crazy dream.. but would at least give more time to think about it.