Both points are good ones but relate to the buy side. But you...

Both points are good ones but relate to the buy side. But you can't get funds back after the sale of shares for 3 days - and that's just to your trading account. I'd prefer one day settlement to allow for overnight transfers. This would allow more flexibility and you could withdraw funds in a couple of days instead of having to wait four or five days after selling shares.

I believe the T+3 was created for times before electronic transfer and trading when we had to cater for snail mail, and should be changed to T+1.

But it sounds as if everyone (except me) is happy with the way things are.