Actually schools need to be very careful around pensions. If they "recommend" that you opt out of the pension scheme they are offering you financial advice, and it is definitely not wise for them to do that as they would be creating a legal liability for themselves if they provided you with poor advice. Secondly, it would most likely be poor advice. It is by no means certain what the future holds for the pension scheme but right now it still looks pretty good. Better to be a member now than a new entrant in the future.