The advice and calculator is all very good for working out the figures.
However, for many of us approaching an option point at the time of the decision it was not so straightforward. If the rest of the jigsaw pieces were not in place the temptation was to play safe, as mentioned above, and remain on AFPS 75. For those who subsequently (i.e soon after the cut-off)decided that staying for the long haul was the way ahead it would have been nice to have an option to change to the 05 option.
I sound like a bleeding heart liberal, but after 18 years a bit more flexibility at the moment critique would have been appreciated; a 'let us know once you have decided to waive your option point' attitude would have worked wonders.
It's not the reason I have decided to take my option but it did get under my skin enough to be a factor.