If you can live on current income(s) , I think, like you, the k200 should not be touched since it grows free of taxes (excepting a bit of government thievery that is stopping).
................
You have plenty of options , since most occupational pensions can on illness/disability be drawn on from 50.
Though unless you have plenty of other funds it is normally better to hold off drawing on your k200 until need be.
Might be a good time to find a competent advisor .