As one who is hitting the "retirement button", submitting for retirement, this weekend, I completely agree with you.

My pension plan offers a choice between all annuity or lump-sum and annuity. The perils of working for a company that got bought out. The lump-sum offer is from my original company. I will be taking the lump-sum and annuity option and cashing out my vacation and 401-k.

Have a great weekend!
Steem on,
Mike