>>That's includes the employers contribution though doesn't it?
Correct - gross payments to practice are designed to include that.
LTA is 20x Pension plus whatever lump sum you get when you take the pension - mine is nominally around 90% of LTA at not-quite 50yrs old, but when I take it at 50 it will be an actuarily reduced pension and more like 60-65% LTA will have been used.
This leaves me a good chunk to play with to stuff a SIPP until around age 55 without crashing the LTA.
I'm now at a point in life that I value my time* more than stuff or things.
*WTF am I doing on this forum :-)
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