A 'small' problem which might force an answer to this before long: how will we be assessed for tax liabilities around the Annual Allowance when we have no idea what pension scheme we will be on at the point of retirement, and therefore have no idea how much has been added to our notional 'pot' in the tax year ending in a few months' time? And then ask the same question about past tax liabilities in every year since 2015... this is a true clusterf***. Doing anything other than 'scheme pays' and waiting to see how it pans out would be sheer madness, IMHO.