The example calculations used to illustrate various pension options (retire at age 65, take a reduced pension early, transfer out...) NEVER seem to use "let it ride for 20 years while living off the other funds you've saved" as a scenario. Makes for a lot of double-checking of the rules.
(Also, I think the absolute worst birthday is January 2 through about 7th. EVERYONE is feeling fat, partied-out, going strong on the resolutions, back at work, and doesn't even want to think about one more get-together. If you're anything like me, you don't want to even look at birthday cake, and your birthday becomes something to try to avoid every year. At least Christmas and New Years people are still on holiday and having fun, and birthday can be part of that).