How about getting the lump sum at the 38 point even if you decide to stay on or at option points after that. It would go some way towards the mortgage etc. A decent hike in pay after the 38 point to counter the fact that you could be drawing your pension and sitting doing nowt.
Outside of the personal I'd also like to see some honour in the leadership (the big boys). Have some of them stand up to be counted and defend our corner etc etc
Both, I agree, will never happen.