I don't think this has been covered (I've whizzed through the thread) but there are some really big unanswered questions about the £100,000 care figure.
I imagine a fairly common scenario will be a couple living together and one accumulates large care bills, then dies, leaving ta partner/spouse. Surviving spouse decides to downsize/ move nearer the kids etc so sells up. Will the care bill become payable at that point? if so, how can the surviving partner move - because if they are retired they are unlikely to get a mortgage.
Will the surviving spouse also be entitled to keep back £100,000 of their own to give to THEIR children - especially relevant if they had children from different relationships. So is it £100,000 each or £100,000 per couple?
What happens when siblings etc buy a house together and one accumulates care costs? Will the surviving sibling lose everything they have put into the house?
Will it be better to own a house as tenants in common (where you separately own a portion of the house) rather than joint tenants (where you jointly own the whole thing?)
Will there be any difference between married and unmarried couples?
Lots of questions (see my username) but I am not convinced this has been thought through (for a change).