God, star £30k??? No wonder you feel "a bit" bitter!!
We are in a similar situation as you know, have sold and are currently renting whilst we look for another house and I know we are lucky in that we have that money (albeit an ever dwindling amount!!) to do these things....if we had bought a house 2 months ago we couldnt afford to be doing what we are doing now......
Its just so wrong that, as you say, kids are let down by people paid to help them! Not all NHs paeds are shit, I am sure, just all the ones I have met/had dealings with. I am sure there are schools that dont have to pick and choose which kids to help out of their meagre SEN/SN funding, but the schools I have experience of do have to.
I am constantly looking for the next "problem" IYSWIM? What if the EP says ds1 is ok??? What if the paed doesnt help?? What if he doesnt make any progress in the next academic year? He will have already seen an EP so where else is there to go???? arrgh....its an endless, montone loop in my head 
He is now on a lower level reading book than he was 2 years ago and they say - basically - that I am worrying about nothing. 
He has real (not imagined!) memory and sequencing problems and I dont know how to help him and those who are paid to help him havent got the time/resources to do so.
sigh.....I'm off again...