Welcome to the community! Sounds like you've a plan afoot & are making headway. Fair play. While I periodically describe my plans on here, I also then revise them regularly as I change my mind or find out about something else. My current debate is whether to just reinsulate the roof, or insulate it, put in a vapour barrier & install a HRV system
You're probably pretty solid though, being aware is a big first step, and here it's hard to go wrong with big pension & mortgage contributions. I'm being naively optimistic that by the time I get to etfs the procedures & rules will be rationalised a bit better, but let's see