SweetTea - it's a very difficult decision to make and, in my experience, not helped by the information provided by the NHS. I felt I got a far more balanced account from two books: "Breech Birth" by Benna Waites, and "Breech Birth: What are my options" by Jane Evans.
DD was my first and breech. I declined an ECV for various reasons, including that she might be breech for a reason and we suspected it wouldn't be successful (large baby, straight legs, supportive and experienced midwives). She was born at home, as a breech, at 41+3 weighing 9lb 12 with IM's. I know it's different for everyone, but for me it WAS pretty well as easy as Mary Cronk makes out, even though DD was a footling breech in the end.
I know you say money is an issue, but if you want to look into it you loose nothing by talking to some IMs local to you - a lot of them can be flexible on payment to some degree (installments, payment in services, etc), especially where the mother is looking for an option not easily available on the NHS (breech or twin vaginal birth, for example). The worst they can do is say no. Even if they can't take you on as a client for whatever reason (money, skills, spaces), most are very happy to provide information and talk about the general pros and cons of different options.
You could also push the issue with the NHS. To start with, get clear in your mind the different between a midwife led vaginal breech birth and a consultant led vaginal breech delivery (which I wouldn't have if you payed me), then talk to your head of midwifery rather than the consultants. I did hear of one lady that got her PCT to pay for an IM as they did not have breech birth skills - I don't think it was easy, but if you feel strongly enough and try hard enough it might be possible. The training of their staff is not your problem. (sorry - I know its probably not what you want to be doing at 37 weeks, but it IS an option that you have).
Fingers crossed for you that your baby turns themselves .