Letsby - I always found the dark o clock limits as per CAP 360 or whatever it is these days to be very generous indeed. Not once in my 14 yrs as a police pilot did I ever feel nervous/threatened/worried about dark o clock and I worked the harshest patch in the whole of the UK - trust me......
Perhaps your getting to be a little prissy in your dotage?
PS: Have you added up how much the penalty would cost you if you took the reduced pension pot, over the rest of your actuarial life?
