Its easy to knock pensions. But, don't forget you get at least 20% given to you by the government on each contribution. Show me another investment that will do this.
Yes, you can't take it out till your 55 but you knew this (50) when you started. You get 25% at the end tax free.
People have unrealistic expectations. You can't expect to out £50 a month away and retire on an income from it of £2k per month.
Get good advice (tricky) and that would help.
Some funds have performed badly but others have performed very well. Transferring can cost a few percent but you could soon make this up. I've doubled the value of my pension through being in some good funds.
Don't confuse annuities with pensions, they are different things. You don't have to buy a traditional annuity. If you use drawdown your pension can pass to family after your death. Prudential also do a good with profits annuity.
A mix of pension savings and ISAs are a good idea. You can research charges and funds yourself.