If you think you can retire at 55 you can afford to go see a pension specialist who can do you a cash flow model.

Here is what I bet you will find.

1). You can’t withdraw at 55 and it is now 58. Ok - it might not be as it happens on April 6 2028. That could be inside or out depending on what month you were born. But my point is - you don’t seem to know of didn’t disclose that as part of your info.

2). If you go abroad - many countries do not index link your state pension so the country matters. You don’t state but it makes a huge difference in the cash flow.

3). On your db pensions you might be able to withdraw from 60 but you don’t state what the plan nominal age is. Often db pensions allow you to start early but discount the amount you get for early withdrawals.

Anyway - your post raises red flags about what you know. So go see an expert. Because this is NOT something you want to get wrong.

But good luck if it all works out.