hi when i applied for spouse visa, my husband need to show the mortgage agreement of our house, his savings almost everything to say he can support me and our son, coz that is their main worry, you also need to provide marriage contract, divorce decree if you had previous one vice versa if it applies to your wife. your son i think wont need an entry clearace as he holds already a british passport.they are more worried on proving that your relationship to ur wife is genuine.letters from friends,etc. that proves they know both of u as couple would help...
as long as u hold ur british citizenship,despite the fact u havent paid NI contributions for the last 6mos, it wont affect your claim for jobseekers allowance,child benefit etc. and nhs. your wife though is only entitled to nhs but not to other benefit only u can claim other forms of benefit.
hope this helps....