I'm on HSMP (well, Tier 1, same thing though) paying my NI and will be paying tax but with no recourse to public funds as well. I'm scared of getting sick as it would be very expensive for me. So, I'm in the same boat as the people with work permits. I'm just thinking it will be 8 years for me before I can have a British passport. 2 more visa extensions if I'm lucky to have them approved.