WE are more conscious now than we were. We i was a student we had a member
of the 'Winks club who opened a bank account in the name "Lloyd George" wit
no difficulty even as his name was totally different and not even Welsh.
I changed the spelling of my own surname when I got married to a form I
had used informally; now I use one version for science/maths and another for
music. Did confuse the university list on alumnae a bit but whatever.
In England, you can call yourself what you like (with the proviso you
stated about not having an intention to defraud) but sometimes it's
useful to have paper-proof of your name- as when you want to open a bank