Hi Sarah
We considered future inheritances - due to the age profile of my parents - when we decided on petitioning for UK bankruptcy. Hopefully my progenitors will last another decade or more, but one can never be sure.
If you believe that your inheritance is in the 'far future' then it's not too much of a concern. However, the way the 5 year DSAs operate involves the bank maintaining the right to come after your inheritance if it happens within the 5 year period - therefore, it's better that it's initiated (and finished) as soon as possible. It would be soul destroying to have to hand it over.