@ryananglem, thanks for that - that's very interesting and I shall file it away for future info!

My commute is to Paddington - my preferred route is to London Bridge (because I stand a chance of getting a seat, and the walk down to the Jubilee there is good for my daily pedometer target!) then Jubilee to Baker Street, then the Bakerloo to Paddington.

This is a couple of quid more expensive, on PAYG, than Overground to Canada Water, then getting the Jubilee. Which as I say I only found out after a couple of days of doing it... Ah well, at least now I know!

But I would have assumed the same would be true to London Bridge itself, so thanks for the info.

(Though actually, now I catch the Overground more often, as because of the London Bridge works the train often sits miserably outside the station for up to ten minutes waiting for a platform...)