I understand your thoughts, and yes, it is a good idea to do the nice stuff because none of us know what is around the corner. Why not just take the 25% tax free? £8k is certainly sufficient for a good cruise for the two of you, this will leave the balance to hopefully accrue growth which you may well be glad of when you retire. We have a couple of very small pensions which give enough to pay for a nice break every year, not life changing amounts, but certainly life enhancing! Good wishes for your husband's recovery, and do take care of yourself as well.
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