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If I got it right, you're debating the need for a switch fuse after the meter, BG saying a DP isolator switch is enough. I'd stick to the switch fuse for that added SWA cable protection, especially with the CU being a good distance away.

If your consumer unit is chillin' under the stairs and not in an escape route, it doesn't necessarily have to be metal for the EICR. But, hey, you can snag those metal casings for some extra peace of mind until you get around to replacing it.

Considering your setup, shifting to Octopus Intelligent Go seems like a smart move. Cheap night energy could be a game-changer for heating, especially with LPG costs. No harm in exploring it even without an EV. As for charging the batteries at night, it depends on your Solex model.