>> consider a cash job front end respray from a small local independent sprayer,reckon on less than £300 all in tops
I worked for a "small local independent sprayer" for a couple of years in my early 20s (strip & refit, mix paint, rub down primer, make tea) - they would be far and away your best bet. Let someone who does it day in day out sort it out, they will get it right first time and have the experience to overcome any problems which may crop up.
My only addition to the OP's breakdown of tasks would be to fill the stonechips with stopper rather than build up/rub down coats of filler primer. The paintshop I worked at did this on all their "tidy up" jobs - mostly under-3-year-old forecourt stock for the local Vx/Ford dealers.
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Volkswagen Golf IV - 98 1.6 DIY Spray Pa.. 
Volkswagen Golf IV - 98 1.6 DIY Spray P.. 