HS, if you can PM me details of a job that pays what I earn now (or more!), compensates for the loss of pension a little, and lets me live somewhere closer to home then you'll be on my Christmas card list for life
You forgot to factor in the massive improvement in quality of life which most people seem to benefit from when they leave. I certainly did, along with the pay rises, living where I want, etc etc. Pension may not be as good, but you might never get to take it. Live life. YOLO as my son tells me.
S-D