Yes @EquityInvestor put it better than I did. I would check in with Standard Life to make sure that there aren’t any special benefits that you’d lose if you transferred away. Some pension schemes have unusual benefits like guaranteed annuity rates, protected tax-free cash, protected low pension age guarantees, waiver of contributions, life assurance benefits, accidental death benefits in addition to death payment, self-investment options, etc. The value of these might mean it worth leaving a pension where it is.
And so these are the questions I asked my provider before I transferred: MEGATHREAD: Freetrade SIPP - #24 by rod Good luck!