My first post in a long time.
All that is keeping me in after 20 and a bit years is an option point in a few years time and the fact that a PVR would mean that 'they' would take about 5% (I think that is about right) of what I have already earned. Roll on my 44th birthday.
One of my biggest regrets - not going at my 41 option point. Oh well, you live and learn.