Charm there will not be enough resources to provide 24 hour care in your own home so you will end up in residential care anyway where you will have to sell house and use all your assets up to pay for care . the idea of Mays plan is for one reason only and that us for more people to pay for their care.
No.
You are still misunderstanding this.
You will not have to pay £100k of your assets.
£100k is safe and ring-fenced.
The state will take the rest, yes, but you will have £100k left untouched to pass on.
The house will not be sold until you are dead, or until your spouse is dead.