I do sympathise with your need to return to the UK to see your daughter and grandson but I do think you are making a mistake in not seeking work in English schools. The risk of covid infection in schools is low, and if you are fully vaccinated you are protected.
You must protect your teaching pension; I don't know how many years you have paid in, but giving it up or reducing it close to retirement is the worst possible time, so I was advised. I taught fulltime until I was 65 and the last few years were very hard, but divorced with a mortgage to pay, few savings and parental 'inheritance' lost in care home fees, I had no option, and now, ten years later, I am so relieved I stuck it out.