I think we are both speculating on this although you have Ellen's oral history passed down.
If you haven't checked 1911 census, it would add to the picture of Ellen that you are building. The will would also perhaps help.
Elizabeth's estate was a tidy sum of money: £7000+. Probate was granted to Margaret Ann Atkin.
Margaret died in 1943 at the same address so there may have been an arrangement for Margaret to continue living in the house. Her estate was £9000 + which seems a lot for someone who had been in domestic service. Probate was granted to Amelia Roberts.
These wills may explain things for the family and often can be interesting to add to the family story.
