Jocky, I used the pensions calculator for 2 scenarios - one staying to 55 and getting full pension and one lump sum and the other leaving at 54 and getting EDP and 2 lump sums. If I didn't work between the age of leaving and 65 the amount received was within 2 or 3k, with the 55 option coming out on top.
If you plan to work when you retire from the mob then by the time you get to 65 you will be miles ahead financially.