Hi Mel!
I have about the same amount to lose as you. The reason I went for Exante more than anything else was the cost - 1 month costs around £100 if you get the bumper packs, which when you consider that things like LL cost £70 PER WEEK, made all the difference to me. I also think the shakes are YUMMY!
Not had any experience with LT, but several people have said that the Exante packs are much nicer than LT.
Good luck!