I moved house last week, and accordingly my travel situation has changed. I now take South West Trains from Hersham to Waterloo, and then the usual Bakerloo Line to Edgware Road.
And it was a promising start this morning: 'just' one minute's delay on the train and a further minute on the Bakerloo Line. Total of two minutes and £5. (Please note, the train goes into TfL's network, so I'm adding delays on this line to their charges - only, however, if the delay accrues after I have departed Surbiton, a stop on the way (or, on the reverse journey, before Surbiton), since delays before (after) then are not within zones 1-6. That's being fair, see? Clear? Tough!