A purely personal view, I believe that all interest-bearing debts should be paid off as earliest as possible. It doesn't appear that investments will grow exponentially anytime soon.
But don't draw more than the tax free lump sum, without first carefully considering...
I love continental Europe, I particularly find the Nordic nations, Germany and Austria interesting.
Not slagging off the UK here …. but I don’t blame you one bit. Berlin, Munich and many others are great cities.
Googling reliable sauces:
Median average is the best measure of savings, because a minority of households have vast wealth in ISA’s which would give a high mean. £12,500 is the median savings per household, £25,000 at age 65.
Pension provision is very disparate, but I’ve found the following...