I know 22 is a long stretch guys .. but ...

I started on 9+3
At 8, signed for 12
At 10, signed for 22
At 18, was right in the window for a big gratuity if I took voluntary redundancy .. and a good pension (full one) .. Took the package ... never looked back .. Free money every month as advertised!
But I miss the times I had. (Aircraft Engineer in RAF)

My advice .. If you can, go for the pension .. .sets you up for later guys!