yeah if you're on that rate and not dumping every penny you can into your pension allowance each year (and using up any unused allowance for previous three years), you're crazy.
whats crazy is forcing people to save for something they have no guarantee of seeing. Giving the pension age keeps increasing a pension is nothing more than paying into a pot you will never be able to fully use. Especially given how people are taxed on their pension payments.
To be fair, the amount people are forced(?) to put into pensions from employment income is pretty tiny and there are tax-advantages savings accounts which people can use instead of pensions, up to a limit. There are also limits on incentives for pension contributions.