Hi Flaps,
I'd love to know how you get to the figure of 24k? I earn a whole lot less than 75k (I keep using this as an average, so no personal remark is intended) but my pension, if I'd done 25 years, would be nearly 20k, plus the state pension. giving me about 24k.
If you are going to end up on 24k then that will be the same as any one else with a command who's done 25 years service. so you'll be average.
24k is still a lot more than most people earn while they are working....