I've had a look at the process for diagnosis in England, and it seems like I would be able to go through the NHS (for free). I don't have much knowledge about "real world things" like insurance and money, so I don't understand why life insurance would be useful and why I would want it?

The upside of getting a diagnosis I suppose would be getting an explanation for why I am like this, and can learn to cope. An alternative is that I'm just heartless and don't care for other people. I don't believe that I choose to empathise with other people, just that I find it difficult.

The downside would be that I have to actually talk to someone to get a diagnosis, and I don't know if I would be able to coherently express myself. It's also that I am unsure that I experience everything associated with aspergers. If you take the rigid schedules, for example: that's something I don't have, because I'm so disorganised and forgetful I simply can't stick to them. I have the sort of attention span where I can be trying really hard to remember something, and then get briefly distracted and not remember about that thing for days. Also with intense interests in things; I can get obsessed with a certain topic, and research everything about it and constantly talk about it, but it usually fades after a month or two. I've never found just one topic which I continuously want to know everything about, which is what accounts of autistic people generally talk about.
Last week the topic was everything about the bracelets I was making, like the exact colour of the wool and the technique I was making them with and the problems I was having. I didn't realise it was odd that I kept bringing the conversation back to this topic despite my parent's many attempts to have another conversation (I had been talking for around half an hour) until they explained it to me. But like I said, there's never been just one area that's been able to hold my interest.