> The pension provider says it a bad idea to do it at 55 even when they offer me the option to do it? I’m not sure if I trust them tbh.

It’s a bad idea if you don’t need the money today because that is $30,000 that will no longer be in the account gaining value. It’s not necessarily a bad idea if you actually need the money for a specific purpose and there are no penalties for withdrawing it.

Considering you want to withdraw 25% and not a specific dollar amount makes it seem like you don’t need it for a specific purpose, so bad idea.