Door step salesman!
Basics!
Agreed.....you need to do the maths and research heavily.
If like some you had intended to leave and effectively discount your pension because the timescale for receipt is almost too abstract, you could transfer and top up.
My thoughts are that any figures I look at should be viewed with 4% growth. Nowhere near the 8% projected.
Add to the fact I can start a second pension, or top up...is a bonus.