** RESULT *
My provider has come back with an improved offer....
* .5% AMC
** 100% allocation on lump sums of €20k or over , otherwise 95% allocation. In my case ,this is do-able as my contributions are likely to be in that order....( However, I would attempt to negotiate that down, even though I'm confident I can avoid it)
*** Full transfer value protected with NO exit penalties.
I have not accepted this offer yet as I have a similar proposal from another provider which would include ( paid-for) set-up and ongoing advice.
Anyway, as a case-study, I think this is a very positive outcome.
I'd like to thank you all for your advice and encouragement over the last couple of weeks.
No matter why you're reading this, please act soon and get a review of your own situation. If you think you need professional assistance, then get it......but, above all, don't do nothing. Thanks to ALL of you.