Don’t forget massive NI saving from salary sacrifice.
My wife is a lower rate tax payer but got over 40% tax relief from income tax, NI and employers NI which her employer kindly donated (not all do).
She will take out £16,760 every year tax free from aged 55-67 completely tax free, staring Jan 2025.
Then she will run out of private pension at 67 and she will take state pension once again paying no tax.
Be smart and the system will reward you even as a basic rate tax payer. 40% tax relief on the way in. Zero tax on the way out.
Edit - Forgot about the 15% employer contributions my wife got as well (as per comments below). So as a basic rate tax payer she wss getting well over 50% equivalent tax relief/contributions as a basic rate tax payer.