welsh dragon
Thanks but no thanks. I think I'll pass.
Yes.
Obvs I don't know your age and thats were the crystal ball comes in.
Its a matter of equating what it will cost l/s compared to the % increase.
In our case it was obvious. MrsD was 63ish and it cost us £3K to top it up from approx 25% to 90%. She only needed to live about 4 years to get it back.
I start to get my state pension next March so 65.