as they say, life is too short to sit around thinking of doing things, just do it, it will be less of a risk than moving to nz.

I say come back to England, I'm sitting here drinking Becks and watching Squeeze live from 1982 on BBC4. Then off for a day trip to Broadstairs tomorrow
Didn't feel the need to get citizenship before coming back, the family all have residence which we may make use of at some point in the future. If the rules change and we can't so be it, England's a fine place.... as is NZ.

All the best with your decision though.