I will answer questions to the best of my knowledge. Please be nice.
The BRP was enacted earlier this year. I have had two passports since my ILR visa was issued (it's currently affixed in an old passport). So I do have a current passport, it's just that the visa is in an old one.
I do qualify for citizenship, and it did cross my mind. But it's quite expensive for me. And to add insult to injury, I would still need the BRP (£1000~ citizenship + £660 BRP). For me that's not an amount I have readily available.
Maybe I took my visa for granted, but I was awarded it when I was a teenager. I called up immigration a few years back, and asked about whether I should get my visa transferred to a newer passport, or whether I should apply for a citizenship, and was told that unless I really wanted to vote then I shouldn't worry about it (the only thing denied to residents with an ILR, apparently).
It just didn't occur to me that one of my responsibilities (?) would be to keep up with current immigration legislation, just in case the rights I was initially awarded indefinitely would suddenly be changed in a way which is disruptive to my life. It kind of scares me to think that things like this can be changed on a whim. I don't really know what to think.