Why the local counter cannot stand in
Cardiff Register Office keeps the registers of births, marriages and deaths, and for any of those it can produce a fresh certified copy made to be sent away. That is the standard piece of advice for this kind of errand, and for a citizenship record it does not apply. The paper you hold is the paper that has to travel.
The weeks you are without it
So the first question is not procedural, it is practical: what else is that certificate doing between now and the day it returns? People reach for it when they open accounts, start jobs, renew other papers or prove who they are to somebody who wants sight of it. All of that has to fit either side of the round trip.
Legalisation of a Certificate of Naturalization in Cardiff runs entirely through the post, in both directions, with an office in between that handles the whole country. None of those stages is long on its own. Added together, and with a bank holiday or two in the way, they make a window that is easy to underestimate and awkward to shorten once it has begun.
What the charge buys, and what it does not
Two figures are published: £45 per document by standard post, and £40 per document on the next-day line reserved for registered businesses. The money covers the certifying act and nothing else. Getting the paper safely to Milton Keynes and safely back again is bought separately, from whoever carries it, and that is the part of the journey where a personal record is genuinely at risk.
What people are usually collecting it for
This certificate rarely travels alone. It turns up in folders assembled for a move, a marriage, a job or a school place abroad, alongside other personal papers naming the same person. Keeping the spelling of that name identical across every sheet in the folder saves more trouble than any single stage of the errand, because one mismatched line can send the whole set back.