Finished insulating mine the other day. House is 90 years old and the accumulation of crap up there was ludicrous. Old carpets, newspaper, bags, clothes which I believe was chucked up there for insulation purposes. All covered in mortar dust from the roof as well. Didn't bother boarding!
It's not much fun, is it?
We've only been here about 6.5 years and from day 1 resisted the urge to shove crap up there.
We're only getting a small area boarded, there doesn't seem point getting too much done as we're not going to use it for anything more than what was up there already. At the most actually, I've binned some stuff that the previous owners left behind.
I would have liked the get both lofts knocked into one so that I can do away with the loft hatch in one of the spare bedrooms. The second loft comes from a bedroom being built on top of the garage about 20 years ago and whilst it's possible to get them knocked into one, it just doesn't seem worth it. We're not having any boarding in the small loft.