Funfly:
"3. Came out of white out to realise that the turn was anything but 360 and level, glimpses of cows in fields, pulse rate on the high side"
Is this because you didn't look at your instruments through overload, or because by habit you were only trained to look outside / fly by feel / ignore instruments?
Personally I find I'm constantly glancing inside to check the VSI and Alitmeter during my turns. I suspect this is because having been an avionics tech for 25 years I'm so used to these instruments being there and know what they can provide in terms of a reference point.