I've got the Nexus 7 and it is pretty fast for browsing with more than enough apps for me. I've also trained it to pick up my Garmin traces. It was certainly a lot cheaper than an iPad and feels just as good.
Buying new shoes? they're not that expensive, especially compared to all the stuff that cyclists seem to "need". I tend to buy a new pair for the start of the winter, because I run a lot more over the winter, and because it's nice to treat yourself. That's probably nearer 1000 miles per pair than 500 miles, but there's never been much obvious damage to the old shoes at that point.
HRM is very useful. It just gives a really good idea about how hard you are working, I don't know what my actual max HR is but I do know that 159 average for a half is about as hard as I can go. For me 140s is working hard, 150s is very hard and 160s is ****ing hard.
The 410 also allows you to set up interval sessions much more easily and is something I really value during training.
Don't stint. For about the same as one night on the beer (with takeaway) you will get a much better deal than any of the others you listed.
Having a house in the south of England and some sort of pension (pretty much anyone who has been paying in for 20 years, and that includes anyone with a public sector pension) got me to Elite. Complete tosh.