Good points. Luckily I spend less now than I did when i was earning half my current salary! I've completely checked out of the materialistic life. Never mind keeping up the neighbours, i'm sure mine think i'm the local bag lady with a beard!
Yes on the pension (got over 20% going into mine) but caveated with the fact it will be locked away to pensionable age. If you want to retire earlier, at say 50, you'll need some funds to be able to see you through until you can access it.