I did a quick back of a fag packet calculation and worked on the principle that I was going to jack in this pastime when I reach 60. Basically I came to the conclusion that I would not be any worse off staying on COS99 and taking the BPP when triggered and then taking a "lesser" paid job at 55, compared to if I sign up to COS08. Also I feel it is a risk worth taking staying put and see what comes up over the next few years - we get a new COS every 2 years so it's bound to change again
