Intermanaut: Thanks for the suggestions; I might go for the sub-3:45 program starting at six weeks - not fast enough for the sub 3:30 program!
Re: "still don't see why you'd not do speed-work for a 50k but would for a 42k." I would do speedwork for a 50 K in different circumstances. The difference for these two races is two-fold:
(a) in training for the 50K, I've been increasing my mileage (per week, and length of long runs) substantially, for the first time ever (never previously run longer that 14 or 15 miles; now I'm doing training runs of 26 miles plus). I was also coming back from an injury which had meant no running for four months and really didn't want to repeat that. To increase the mileage safely (i.e. minimise risk of injury), I let the speed drop. Now my legs are used to running the longer distaces and more miles per week, I think it will be safe to start some speedwork. To put it another way, think of the training for the 50K as basework for the marathon.
(b) Different goals. In running the 50K, I'm just interested in completing my first ultra; finishing in 5 to 5.5 hours is fine by me. However, for the marathon in April, I'm more interested in what time I can achieve, as I indicated above. For another 50K, later, I'd be interested in improving my time, so I'd include speedwork (now I can do the mileage okay). But I'm going for a 50M next, so the emphasis will be on safe increase of mileage again!