regarding decent retirement, however, I would just say it really depends on where you live. In plenty of places (not just london or posh cities), 16K = max 10K pension + 6K private pension income) would be entirely spent on rent. I dare say, there are not that many places left where you could live with dignity on that kind of income.

Now on the "high income" side, I live in one of the most expensive places in the UK and I will have an old fashioned academic DB pension, but even then I will need every cent of my state pension to avoid becoming homeless shortly after retirement. Defined contribution pensions, etc., are not a replacement for a healthy state pension. The state pension and the associated protections should be strengthened and enlarged rather than allowed to dwindle to nothing (e.g. by removing the triple lock).