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Steph - I am on the sharp-end of planning in this respect, it is what I do and I can assure you that there are many people in all walks of life who will be able to retire early without the State pension. Public sector pay is significantly better than private sector pay by the way - the average being 17-18% in equivalent jobs as it shown by independent studies.
Planning in this is not just a matter of pensions, these are one of the tools that are available but it is only one tool. Reducing debt early and not chasing rainbows up-market with ever bigger mortgages is certainly one thing that can help quite significantly.
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