The court will not simply look at your income and her hobby income and decide that she is entitled to a shed load of money. She can’t sit at home and drink tea and have coffee mornings and we her own sandals and make lentil pancakes and have a jolly time while you earn money and she expects to be paid.
I’m sorry to be so blunt. The court are likely to look at this that while she might enjoy what she’s doing, if she wants to do that, then she has the financial penalty associated with that and you would not necessarily have to bolster that up. It would look at her ability to pay over the last few years and until retirement. Whilst I agree that half of the savings is probably the right thing to do, all the above needs to be taken into consideration.
What also needs to be taken into account is why she only had a small pension and the value of it. Just because she didn’t make pension arrangements doesn’t necessarily mean that she is entitled to a large chunk of yours.
If she wants to argue, solicitors are going to charge GBP250 per hour for the argument and that is not going to be recoverable. The amount of money that she is potentially going to be arguing over therefore is going to pale into insignificance compared to the legal costs.
What will also be taken into account will be your need and her need after the divorce and that would be tempered with both of your incomes.
Whether what you are proposing is reasonable would depend on the value of your pension and/or the other things I have mentioned above.