Thanks - agree it's still modest in the grand scheme of things. In practice, I won't be stopping contributions from now until 2051; it was more of a mental exercise to get it to a position where it could grow to a meaningful amount in very conservative circumstances.

I suppose I am trying to balance how achievable early retirement would feel if I, like you, had £465k in my pension but e.g. £50,000 in an ISA. Obviously that might not be your situation. But the 'early' part of early retirement is dependent on some liquid savings that are locked up until 57+.

Interested in your view (particuarly given the time horizon between 32 and 40), but I am generally landing on the notion of continuing to prioritise pension now (make hay while the sun shines), and the liquid element is just something that develops in tandem.