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> find middle class folk (in the UK) to be uptight and terribly afraid of causing/receiving offence

This isn't just a UK thing. Seems fairly universal at least across the western world.

Right. In Britain at least at some point this flips and if you're proper old money you go back to not giving a shit again. Classic example is Prince Philip.
Middle class is always more insecure. A middle-class individual could move either up or down, this causes anxiety.