Any question answered...

should i invest all my savings in stocks and shares, leave it in the ISA, or blow it all on beer and holidays? serious question!
I'd be very happy to look after it for you for a few years :)

But seriously, I'd say:

Beer - no

Holidays - important but not necessarily expensive

ISAs - not sure why you'd have to move banks each year - I have lots of ISAs in diff banks (the rates don't seem to vary much at all these days) but primarily bank in just one. I'm a big fan of ISAs and bonds you can't touch for X number of years.

Stocks and shares - Only if you're willing to lose a few squid along the way or are Warren Buffet.

Can you invest in property? That's what I would do if I could right now.