Have had a few pensions in my time. Sorted them all out the other year and stuck them into a HL SIPP. Very good.
Not contributed into it in the last year or so though. Been thinking about chucking a lump sum in recently before the end of the year but I might not bother.
At the moment, income split dividends with the dear wife, so neither of us exceed 40% so all I'm saving on pension contribution is the 20%.
Must admit I wonder if its worth bothering.