HMRC released guidance after I wrote that (above) that relates to males considering retirement - but especially to women. The former might want to consider making a decision about how to deal with their pension funds sooner, the latter might want to delay a few months. It doesn't apply to those with 'just' a public sector final salary pension.
http://www.echelonwealthcare.co.uk/retirement-whammy/
As ever, take regulated and authorised advice.