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Thanks @el_presidente and @dbadger
Clearly would be a bit of a sacrifice over current location (N4) especially in terms of nightlife / restaurants etc, but I guess we're considering compromising on that front to be able to afford a house with a garden etc... Not sure we're quite ready for village life though.
Any specific areas of HW that would work well for commuting i.e. cycling to and from the station? I think we'd want to be within 2 miles of the station and I know there are some massive hills around there, gf isn't too keen on hills (obvs hard to avoid in the Chilterns). Is Totteridge area ok?
Do you think the so-called 'darker side' of it is worse than any other town, or areas of London?
The commute costs are the same wherever though, at least on Chiltern Rail you usually get a seat. I agree re the HW darker side, it does mean it's cheaper than other places with a similar commute time