If you think the extra 5% from year 4 to 5 will make the difference you are sadly deluded. We shall talk again next March when, if you have 92.5k on your P60 i will gladly buy you a pint (unless you are on training increments..that would be cheating!)
The current UK command contract is most likely as good as it will ever be. It's downhill from here and unfortunately I think next year's new upgrades will face the brunt of it.