Just a thought about your "pension drawdown account".
I believe there is no requirement to have a bank account for the "pension drawdown". The "account" in this case is an accounting term, meaning you need to keep a piece of paper (or electronic equivalent) with a record of pension payments. You do not need an actual bank account to hold moneys from which a pension may be paid!
Now that you are in pension mode, you are quite unconstrained by capital gain tax considerations. I believe you are less constrained in pension mode than in accumulation mode.
