Jocky,
To be honest you have already had enough good advice on this thread to be able to make a reasonable decision, perhaps if you are not clever enough to use Excel you are not clever enough to appreciate the advice you have been given.
If you have a worthwhile job to go to now, Go.
If not stay till 55 and take the bigger pension.
Have not seen an answer to the question about death before 65, but ..............
Y_G