You've not given a lot of information so lets assume the following
The result?
This would get you an annuity of around £4000pa (todays money, assuming you are in reasonable health living in south east London, rising with inflation, single and no provisions to provide for others after you die). I think its important not to underestimate just how big of a difference that amount of money will likely make to your life.
This is also assuming absolutely no career progression, you retire at 65 and that you earn £20kpa. Increasing any of those makes a notable difference.