Is there no way you could scrape the cash together to do your DAS at some point soon? It’s not that expensive really, and so, so worth it for the ‘I’ve passed!!!’ feeling you get at the end of it.
Either way you might want to get your theory test done and out the way. You don’t need the DVD, just read the highway code cover to cover (doesn’t take long) then do a practice one online. I think it was only 30quid when I did it of I recall correctly
At 37, I don’t think the Jan 2013 changes will affect you much. From what I can gather, if you take your DAS next year, the only difference is you’ll have to take the test on at least a 600cc bike, rather than a 500cc as it is now.