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See: https://tfl.gov.uk/fares/free-and-discounted-travel/60-plus-oyster-photocard
Regardless of what the website does or doesn’t seem to allow, the advice here is “You can’t add credit to your 60+ London Oyster photocard to pay as you go.”
As Mike says, the 60+ card is valid on the advertised services and you’ll need to buy another form of ticket for travelling with anyone else.
The problem with the Clapham route is simply time. If you have the time then there’s money to be saved as described but expect to sit on an Overground train for a bit before departure. I’ve only tried it a couple of times but due to scheduling I had about a 10 minute wait for departure (and the South London line doesn’t seem to be the fastest bit of track around.)
In reverse, the issue may be fitting onto the return train to Strawberry Hill. My journey is on the Epsom line and we have half the service we had pre-COVID so getting onto the train on a mid-week evening is a squeeze. For that reason alone, I tend to opt for a Waterloo change rather than anywhere else. That may not be a problem on your line of course.
With the W&C it’s the popularity and thus the crowds that may be an issue. I’ve only tried it post-COVID and it’s manageable if not completely stress free. Pre-COVID I suspect it was a nightmare. It probably is the fastest route, though, rather than running via Vauxhall and joining the crowds on platform 8 on the return journey.
I can’t advise anything extra as to cost since Mike knows much more than me and my payment mechanism is different.
In terms of the “If I did this then surely the cheap fare would apply” question, the system will only charge fares that it knows about and the fare finder shows. In this case, the fare you’re looking for doesn’t exist in the system even if the route exists in reality so won’t be charged no matter what gets tapped where.
Hopefully it will be added to the database if it’s seen as a reasonable route to take.
