Tinytim,
at the risk of repeating myself :-
If you end up being disciplined, unfairly dismissed or selected for redundancy and you decide to go to an industrial tribunal, as a non union individual are you happy to represent yourself then ? Happy to pay your legal costs (and possibly the other side's !) if you lose ?
Got any employment law or taxation issues ? Who do you call ? Are you going to negotiate directly with the tax authorities for your allowances ?
Pray tell ......