Lump Sum

[RobertT]

I would agree that it's best to use some of the DBCBS/AVC's to make up your taxable income to the level of the Personal Tax Allowance(£12,570), if your income will be lower.
If you don't use that allowance, you lose it!

You would first need to transfer them over to a personal pension, as you can't drawdown directly from either. Remembering that it's very difficult to transfer the DBCBS if it's worth over £30k.

25% could then be taken tax free and the remainder drawn down to stay within the PTA, while factoring in any other income you have.
That could then be invested/saved/spent as you choose.

If you wait until your other pension kicks in or you 'get a bit of work'(mentioned upthread), you might end up paying tax un-necessarily.