The default setting for transfers out should always be 'no', but never a blindly dogmatic or prescriptive 'no'. For some people, switching makes sense.. but they are always going to be very much in the minority. AFPS might still be a defined benefit - allbeit a moving target and declining defined benefit, but it offers certainty and as such should remain at the core of any long term financial planning. Sure, consider adding to it but only replace it with something else if there are extenuating circumstances.