So the Bank of England's inflation calculator is "rubbish" is it ?
If you're using the BoE website calculator, it uses the Consumer Price Index (CPI), a basket of goods looking at the change in purchase prices of these goods (in a weighted basket).
You'd have to factor in any housing costs separately to CPI. This means it is "rubbish" for the real long term cost of living metrics versus wages we are talking about.
The Consumer Price Index including Owner Occupiers’ Housing Costs (CPIH), factors in an adjusted monthly "rent" equivalence figure. This inflation rate is quite a bit higher (every month) than the CPI, this adds significantly to real living costs.
Even the CPIH doesn't really reflect all true living cost changes; there are a few reasons for this, the basket of goods has changed a lot over time, plus it doesn't cover a large proportion of people in the UK being home owners. House buying and mortgage costs are considered a capital cost (even for private home owners) so not included. There is the old RPI data set which does include mortgages, this inflation rate is even higher again, having gone up 400% since the late 80s.
When you factor in the lack of affordable/council houses today, recent big increases in food and energy costs, plus use the right data sets for your calculations, you can see that wages have stagnated in real terms for a long time.
For those at the bottom end pay wise it's way worse, with their real earnings and disposable income going down over that period, and even more dramatically over the periods of successive Tory governments. Getting on the housing ladder is a pipe dream for many in low paid work, with benefits and food banks a reality even when they're working full time.
All your examples stated as facts, or in bold/capitals, are not "facts" they're opinions. This is common behaviour among people who don't use complex data to make an argument. The simplistic views and straw man arguments you've made don't stand up to scrutiny. If you think you can live on the minimum wage in most of the UK, why don't you give it a try and report back on your findings.