I think you have your terms mixed up. You say Annual Allowance but lay out your Lifetime Allowance numbers. I dont think that's the right methodology for calculating your Lifetime Allowance when you have commutated as I understood it made little difference to the allowance. However, it's a no brainer if you leave early on 75 and you have another income stream. The tax free lump works best versus a taxed (at your respective top rate) slightly bigger pension.
Incidentally if have started to get your immediate pension the proportion of your Lifetime Allowance used up should have been sent to you on one of the bits of paperwork you have. I don't recall the exact numbers my partner had but with a fully commutated lump sum which came to 100000, this was equivalent (with the reduced pension) to 37%.