I have little general tax avoidance advice to offer other than using ISAs to the limit. As you say, it makes sense if you have the choice to put the higher yielding shares in first if the limits don’t permit your whole HYP to be moved in.
Also speaking generally, I don’t like SIPPs used purely as a tax avoidance vehicle because they reduce investment freedom and carry too many onerous restrictions and costs in my opinion.
The whole idea of HYPs is to generate income, even for those who are not yet at the drawing stage, so the alternative you mention of a low or zero income growth fund is not an alternative to HYPs, it is a different investment approach. Note though that HYPs and income funds often grow better over time than so-called growth funds on a reinvested income basis.
You either believe in the HYP philosophy or you don’t and this should not be influenced by tax in my view. Investors tend to have an affinity for a particular approach because it’s worked for them and suits their personality, not because of tax.
