resettlement com is a must if you intend to work and be taxed at higher rate. eg leave at 38 . resettlement com of say £20k. cost off pens = say £30k until 55 (£1765/yr)(exact figures depend on indiv case). But of that £30k you would only get £18k (at 40% tax rate) if you didn't commute.
In effect as long as you keep working and pay tax, resettlement com is a v. cheap loan!
Be warned however: if you rejoin the ressetlement loan is then paid out of taxed pay.( = v. expensive loan!)