First, Barrie; nobody has said that you have your mind settled. Not on all aspects, anyway.
The £45m/day is only an argument to leave the EU. It is not a figure that has anything to do with being out of the EU...
"Annual Costs of EU Membership
The net cost of the EU budget to Britain in 2011 was £10.8 billion* and rising. But the actual cost - direct and indirect - is much more than that.
Last time it was calculated, in 2008, the European Union was costing us £65 billion gross every year. That's about £1,000 each every year for every man, woman and child in the UK. It increases every year, so it will be a lot more now.
* Source: Office for National Statistics "Pink Book" "
http://www.democracymovementsurrey.co.uk/dyk_eucosts.html
The quote above is simply the first one I came across. I do not have the foggiest notion of what they mean by 'indirect costs'.
It would have been better from them to stick with the gross payment, but why let facts get in the way?
No matter how our membership status has changed, each alteration was signed into UK law by both the Political Partys that have held the reins of the UK since the referendum. Why not ask the next time a 'rosette' comes to your door?
"...not always to our advantage" Who says? Who is this 'our'?
The effects of the UK leaving the EU that I project;house price rises etc. would be the effects of the 'saving' of all this money we hear mentioned being spent in line with how such windfalls have been spent historically, i.e. Tax Breaks.
I have yet to hear from any in the 'out' camp about how the UK would progress;internally or internationally.