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Because 4 years is considered to be how much university level study is required to reach MSci standard...In the English/Welsh system, a 3 year undergraduate course typically leads to a BA/BSc/B(whatever else), that is, a bachelor's degree. A 4 year undergrad will lead (in science subjects) to an MSci/MPhys/MBiochem/etc, and will typically include a more demanding short research project. There are also MPhil's, a seperate course lasting 1 or 2 years with a stronger research focus. A PhD (known in Oxford as a DPhil, but mostly as a PhD everywhere else) lasts 3-4 years (although it might be done as 2 years following from a 2 year MPhil, especially in arts/humanities subjects). Combined courses generally just mean you do some courses in another (often related, as in maths/physics combinations) department. So you might take some extra maths courses often in the maths department as well as in the physics department to give you an extra angle on the (fairly demanding) maths required for theoretical physics. It depends on the university. X "with" Y means a course primarily in X, with a bit of Y thrown in. X "and" Y is a course with approximately equal emphasis on the two.Also, bear in mind that everyone will be confused to some extent, including those applying from within the UK. And don't be afraid to e-mail the universities and ask anything that's not clear from their prospectus.
If you don't enjoy studying then perhaps you shouldn't enroll on a PhD course.
It takes a lot of time to learn a lot of stuff (and even more time to do research).