Al,
When I bought into the extra years under the 75 scheme, it was sold as being an 'in scheme' AVC rather than being held with a third party, hence my wondering what will happen to them when that scheme is effectively wound up to new business.
However, I do agree with you entirely on wondering why people would do it. At the time, I was fairly sure I was going to make the effort for the long haul, but these past few years are sorely testing that original plan.