I do think there should be a separate thread for all things pensions reated as things easily get lost in the weeds of a what is a political forum.
FWIW the elephant in the room regarding pensions and benefits is what happens in 20 years time. Upto now, the majority of today's pensioners own their property and so the state pension doesn't have to really take into account mortgage/rental payments. In 20 years or a bit more, there will be a cohort that will not be in that position and so will have to rely on other means to keep a roof over their head. Indirectly, this will almost certainly be in the form of a significant increase in housing benefit claims. I don't know the answer but just thought I'd put it out there to highlight what's coming down the track.