Hey Edgar.....
Oooooh....
not sure what to say... except GOOD FOR YOU (I think!) If you reckon it's time.... then it's time - so GOOD FOR YOU!
You know, I haven't heard anyone outside the UK use the expression "pillock" for the longest time - it was one of the "in" words when I was a kid... and still is.
You 'aint a pillock - they are!
PILLOCKS PILLOCK PILLOCKS! All of 'em!
Enjoy retirement and very best wishes to you hun.