Martyn,

I have been reading every ones comments with interest. I retired at 50 three and a half years ago and will say to any one that can to do it.
I am busier than before with all i want to do and did not realise until i saw the Dr recently (routine check up) how stressed i was before retirement. When i retired my resting heart rate was 76, now it is 62. There are benefits that go beyond what you initially think.

So best of luck, keep active and enjoy your life.