Thank you so much for your replies I really appreciate everyone's insights.
MereDintofPandiculation yes you're right, that bit I said about never going into a care home is totally unrealistic and ridiculous I shouldn't have put that daft emotional title I would change it if I could. If at some point she was assessed as needing 24hr care that would be the best place for her.
Roselilly. This is why we want to keep her finances out of it as much as we can. And this is the bit that concerns me. If she sells her house then that money would be hers. She has a small pension and very small amount of savings. She would keep the money from the sale of her house as her retirement fund to top up her pension for things like running her car, going to see my brother, groceries, clothes, social life, and whatever else.
The other point you raised about how my MiL would feel is also very important to my mum and we would be very considerate of her in respect of the timing of this move.
Lettitbee Sorry for 'That's OK', that sounded terribly glib. I should have said that we have considered that she will have an increasing need for attendance and care. I do not underestimate the toll it will take on me. Like you, my mum and I cared for my gran for years. My mum was living with her and caring for her and very tied to caring for my gran in the latter years. This does concern me a lot. I have experience but I don't have as much stamina and skill at coping with dementia as my mum does so I know I would need support and get as much as was available.
There is a huge amount to consider. Any part of this could change and the whole setup could collapse.
I seem to have given the impression that we've got loads of money to throw at care provision but we don't! We'd be able to afford topping up the LA carers and afford respite care for 6 weeks of the year though. Personal care is currently provided free of charge in Scotland. This could change if there is a political change.
We also have a huge shortage of carers in our area, can't recruit carers, we don't have a competitive market of care provision so there is a huge dependency on LA carers. There is also decreasing availability in care homes and an aging population... Those issues are arguments both for and against the plan.