Wilkie- I would go for the baby. As Rgee said , you never know how long it might take to get preg so if you put it off, then it takes longer than you think, then the age gap between them could be larger than you think or want.
Lizz- I wouldnt say anything. But then I am not good with confronting people like that. Maybe she is just nervous. I hate it when people talk about really personal things when you dont know them though. Makes me squirm. I also hate people who talk to you on buses, trains or planes. My nan does it. She is always talking to weirdos when she is out!
£5 or £10 is fine with me.
Oh and you are all obsessed with Irons! I hate all irons, ironing boards, and ironing. I am a big fan of the tumbledry and fold technique.