The good news is we can have an adjusted option where you have more up to when the state pensions kicks in, then it is reduced to take account of it.
Only found this out a year or so ago when I started looking at it all, was going swimmingly well till Mini declared he was doing a 4th year at...
67 when my state pension is allowed and paid in so far 36 years, that will be a minimum 10 years after I retire so just as well my current pension can allow an adjustment for this.