Inflation is inevitable in a few years. People on mortgages with rates we could only have dreamed off will be in a position to pay them off long before they're 70. All than moaning will be for nothing.
Sensible decision. For one thing, it takes a few years to adjust, once you've made the decision. You might not die rich but who want to leave it all behind anyway?
OOH er! That's way above my head! No. I'd suggest practice with a football and become one of them there football players. You don't necessarily have to be that good. For example you could put on a blond wig, wear bling, be irritating in a Welsh way and call yourself Robbie Warrior or something.