Likewise glad I stuck with AFPS 75, on 3 grounds really;
1. They never offer you a better deal really (yes I know, cynical!)
2. If you don't make Cdr in the RN it is retirment at 53, therefore all benefits of AFPS 05 go out of the window as you have NOT SERVED until 55!!
3. If you bang out at anytime before 55 (as I subsequently did!) you are at least 10% better off under AFPS 75, albeit you were, conversley, roughly 10% better off under AFPS 05 if you managed to serve to 55 and live to 70!!
Roll on my 75th Birthday when I reckon I will have drawn as much pension as pay, well worth celebrating, even if it is in the distance of time!!
Of interest I wonder if anyone will sue for constructive dismissal and/or unfair renumeration if they are not permitted to serve until 55 under AFPS 05, will be an interesting ruling........