The limit for full protection for any bank is £85k, £170k for a joint account.
Be careful though e.g Halifax and LLoyds are the same bank.
The higher interest rates on current accounts require conditions to be met and are also only up to a certain balance. Typical conditions are things like a minimum number of direct debits and also regular funding, these can quite often be met by 'bouncing' cash between banks by setting up monthly transfers, you have to examine the details. That said, have a look at Santander 123, 3% up to £20k, monthly fee £2, £500/mth funding, 2 direct debits with cash back for some.
Loosing a debit card should not cause too much problem, the PIN is not known to anybody else, 'unusual activities' will be blocked and you can report it's lose putting a stop on it's use.
Financial advisers have to know your financial details and your attitude to risk before they can give any advice. You may not need them, in round terms what are you talking about - thousands, tens of thousands, hundreds of thousands?