Regarding the discussion about delaying your state pension - yes, it takes x years of claiming it at the enhanced rate for it to be equal to the payout if you took the pension at the normal time, so as David says, it’s a gamble, guessing how long you might live.
But if like us, your spouse is a lot younger it’s probably worth considering as unlike the ‘normal’ state pension which dies with the individual, the enhanced bit carries on (-albeit at a % maybe, I can’t remember the exact detail) until the death of the younger person. With a big age gap, that’s likely to be a large payout from the govt.