Mwjdavies sums up my thoughts too. Happy to pay the £3 for peace of mind that I don’t have to worry about what I make being subject to tax, and while the Basic account might actually be more appropriate for me right now, if I decide to immediately or even over the years gradually increase my investments, I don’t want the inconvenience of eventually having to sell all of my shares and move to an ISA.
Another point is that having invested in FT in an earlier Crowdfund round, I really don’t mind giving them the £3 p/m.