Thank you everyone for your help and advice.
Very much appreciated. Just one more question (I think! :O))
If we do it on our own, we need to decide who should be the principal applicant. We both gained 70 points. My husband is an autocad technician and I am a software tester. Depending on what the current skillset demands are, will it make a difference who the principal applicant is? The only problem with me being the principal applicant is that I am curently a stay at home mum and also expecting our second baby in February. In this situation do you think its best if my husband was the principal applicant?
Also, after sending off the simplified application form, how long approximately should it take to hear back from them? We're in the UK by the way.
Thanks again for all your responses. I think we just need to go for it and stop wasting valuable time deciding whats the best way to do it. If you could just get back to me on your thoughts for the above queries, that would be great!
Cheers
Mani