As an ex-PA Flt Lt who left age 53 and is still working/flying and in receipt of my mil pension (75%) I used a financial advisor to assess my position.
I now pay into a pension for my wife - very tax efficient but haven't taken the option of increasing my contributions to my current work pension as that would take me very close to the LTA.
Most ‘service wives’ have very little independent pension provision. Starting a pension for them might ‘only’ produce 20% tax relief uplift (compared to 40% for a PAS flier) but hardly any will pay tax on relevant income, and they will be less likely to suffer via regulatory shift. Similarly, consider the venerable ISA.