Why not ask your bank which payment method is the safest.
Purely personal view - up to a couple of £k I would trust my own judgement with cash. For £11k I would want to be completely certain. I would not want to risk keeping the money in the house overnight - it is enough to make some return to recover it.
Unless the premium over WBAC or similar was (say) >£500 I would be inclined to go down the trusted route. See it as a 5% insurance premium to get a smooth transaction, not a £500 burden!
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