Al R
Taking the OAP at 65 would have led me to pay 40% tax on it, as I was still working as an RAF (CC) Reservist and also getting a full Service Pension.
I now get 131.2% OAP at 20% tax.
I can live on that, as BBQ wine can be had for £1 a bottle down here, and also the sights on the beach can be quite attractive in the summer.