All this expense is the downside of 10-speed. Not only are both the cassettes and chains substantially more expensive than 7-speed, they don't last as long either.
I'd bet John the Monkey's £10 KMC chains are 7 or 8 speed.
When you are deciding whether to change the chain frequently, rotate several chains on the same cassette, or just put a full new transmission on when it stops working, you have to be realistic about what checking etc you will actually do, rather than what you should do.
If changing chains, you will have to check stretch every week once they are over 500 miles. Forget for a couple of weeks, and you could find your chain worn enough to need a new cassette when you next check.
If you are rotating chains, and leave a chain on too long (eg forget to change before going on a week's holiday), not only will you want a new cassette, you will be left with several part worn chains that won't work on it.
Me, I know I'm prone to just park the bike when I get home and fail to look at it until just before I next go out, so I just leave everything on until it gives problems. On my 9-speed, I get about 7000 miles, then change the cassette and chain, and usually one chainring.
Sample costings, taking no account of chainrings, guessing at likely life, and assuming that you don't mess up your system:
Ribble 10-speed prices, including 10% >£50 discount (I was probably looking at Chainreaction before).
KMC x10 £15.50, KMC x10L Gold £23.36
105 cassette £36, Ultegra £45, old Dura-ace £114
ride it 'till it dies
105 cassette, gold chain = £60, 7000 miles = 0.8p per mile
3 chains and rotate
Ultegra + 3 x10 = £91.5, 14000 miles = 0.65p per mile
Try to make the Dura-ace cassette last forever
7 x10 chains = £108.5, 7000 miles = 1.55p per mile