good you've nearly done your 5 yrs, and earned the right to apply for ILR.
might be a good idea to apply asap, if you can in march, i'm wondering if there will be a price increase this year, there wasn't last year. so you never know, and with the world in recession and many jobs will go, might be a good idea , just in case, worse comes to worse and your made redundant you will be free from your work permit restrictions.