Yes, haven't touched the lump sum as yet, it would've been a lot less than it is now. Feel really sorry for anyone that's ill advised and / or has had to take theirs, there are an awful lot of very poor financial advisers out there, and a few very good ones.
I'm fortunate to be retired without any debt, I do fear for people over the next few years with limited income and extended life expectancy. Many people have looked at their property as their pension but downsizing doesn't always make economic sense it depends where the market and demand is.