Thinking laterally for the moment apple, the MoD/Treasury is shortly to make a final report about the carrying forward of unused annual pension contributions (tax relief) from the previous 3 years. If you have a chunk of cash sitting around after April next year, it might be worth still being in place to be able to capitalise on 40% tax relief into your pension before you retire (and before you possibly lower your marginal tax rate).
Of course, you could still do something else with it - just a thought.