You might have some extra tax free lump sum possible after you receive your PS lump sum. This would be possible if you have any non personable overtime, allowances or bonuses.
After taking maximum available tax free lump sum you could take out an ARF with the remainder of your AVCs.
You will have to take yearly drawdowns of 4% up to age 70 and 5% after age 71.
You could then reinvest each yearly drawdown into a similar unit fund with your ARF provider. This would allow you to keep as much as possible of your funds in your estate.
As the funds are going to be invested long term, you should opt for high risk, high return funds. Over the long term you could expect a return greater than the yearly drawdowns.
This would preserve and possibly increase the value of your ARF until you pass away.
You should also get your existing AVC funds into high risk, high return funds now.
Does your wife have a good Prsi record ?
Will she achieve full or near full contributory pension ?