I agree with a lot of that, grannygranby.
I think that far from being more generous these days pensions for a lot of people have dropped. My mother worked for less than ten years in total (before I was born and after we all grew up) but paid SERPS and inherited my father's pension and his SERPS, so she gets roughly double my SP, and I paid in for 50 years. That is unfair.
My friend hasn't worked since university, but when her children reached the age when she could no longer get credit for them, she paid the small voluntary contributions on the advice of her accountant, so gets a full SP despite never having paid income tax. That is unfair.
Someone else could have worked from leaving school to retirement but earned too little to have a full record, or have been kept 'off the books' by her employer. That is unfair.
Someone paying the Married Woman's Stamp might not qualify for the same pension as her colleague who paid the full amount, but will get her income made up by PC and be better off. That isn't fair either.
There are so many differing sets of circumstances, but IMO the bottom line should be that if you paid in (for want of a better word - yes, I know that every generation pays for the one above) you should always be better off than if you didn't. That is where we are going wrong as a country, I think. From youth to old age it feels that those who don't work are given, and the money is taken from those who do, and it's wrong.
Having said that, today's pensioners have made their retirement plans on the assumption that they would get what they were told they would get. It wouldn't be fair to change that when it's too late to do anything about it. It's a mess.