basic pension qu's (figures provided) - advice please?

[TirednessOnToast]

As part of my divorce 2 yrs ago I was awarded some of exH's pension.
(I do not know how much is now 'in the pot' : it was a local govt type pension
my lawyers made a huge mess of things so I finished the Divorce myself)

The pension in my name is marked as 'Deferred' & I am not allowed to add to it.
It will go up in line with inflation each April, according to their advice line.
I can draw it from age 65 (I'm now 58) & would get:

Annual payment of £10.5K or £6,8K with a lump sum of £45,5K
I appreciate it is 7 years hence but should I draw down the lump at time or not?

I don't think it's worth me getting 'a financial adviser' as I have no other assets and am a Carer for my disabled young adults so I'm not in an easy £ position.

Look at it a different way. You can exchange £1000 of pension for £12000 of lump sum. After 12 years of drawing your pension this will have balanced out - if you invest all the lump sum, at say 5%, it would be worth around £18.5K.
Meanwhile, the annual pension will increase by CPI annually. I took an additional lump sum for my Teacher pension, converting £3k to £36k lump sum. That was 6 years ago and now my pension has exceeded what I would have got had I not done the conversion.
After 12 years, I will start to lose out as my lump sum will be worth less than the total of additional pension I could have taken. However, I used it to pay off my mortgage and this allowed me to retire early. For me, it was a no brainer and wasn’t just down to money in the bank.

@Soontobe60 - Thank you, that is really helpful as I was trying to think it through, given I don't know if I will live to be 66 or 96!
For me, the most important thing is to leave some assets to my young people.

It is a defined benfits pension. Weirdly the figure I was given on the phone just now is completely different to the figure on the website. When I called to check they are 'not sure' if I can get my full pension at 65 or at 67 plus the website says: 'this is a guide, do not rely on these figures, we are not responsible'. Ooof.