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No. The only risk is that the option is taken away in the future but that's unlikely in my opinion. Using a combination of tax free cash and taxable income is a common way of retirement planning and means you can take £15,300 p.a. tax free if you have no other income.

Yes you can take a lump sum from the FS schemes. It will either be a fixed amount based on your length of service or you may have the option to take a higher sum based on 25% of a notional "pot" which is calculated as a multiple of the pension. As an IFA I would say this but take advice...