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Welcome! Certainly is a good spot to discuss the points you have raised, prob best to discuss here:http://cicassoc.ning.com/group/settingupacic
Also, re the Caps, you should look at the discussions here that may inform your thinking: http://cicassoc.ning.com/group/cicshareissues
You can sell your shares in a CIC 'as per normal' at retirement, it is 'who' would buy them and the 'intrinsic value' would be different to normal shares, due to the caps/asset lock.
You could also loan the money to the CIC, in some circumstances this makes it a lot easier to get back at exit.
Happy to talk, there is actually a review of the caps happening shortly which will no doubt interest you
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