OP, have a look at posts by WagsandClaws, Damedoom, or more recently CollagenQueen in the Style and Beauty section. They have all had facelifts/ neck lifts in the last few years with good results and have documented the recovery and who they went to.
I looked into BellaVou clinic in Tumbridge Wells, which is where WagsandClaws went a few years ago, and their results look really good. Their prices are more like £20k for a full facelift and fat transfer. Although some people choose to only have a local anaesthetic, which I would hate - I want to be asleep and wake up when it's all over.
Anyway, I would say do lots of research and go for it if it's something that really bothers you. Life is too short to be unhappy with something you can change.
I will definitely be getting something like this done in the next 5-10 years - I have seen my future, and it is jowly. My mother, whom I take after absolutely hates her jowls and hates looking in the mirror, but would never go down the route of surgery, her choice.
I absolutely will if I can afford it, I don't care if someone else thinks that makes me vain. I would also rather do it in my mid to late 40's for a more subtle change rather than wait until my late 50s and have a huge dramatic change.
Anyway good luck with whatever you decide.