46M, not sure where I’m at in my FIRE journey, also have a big decision to make, help!

Hello, lifelong high school teacher here, since the early 00s.

I'll get the basic numbers out of the way now:

Current income: $96k (in a mcol area in the US)

Current spending: ~$45k (may be significantly lower soon, will get to that later)

Assets (~$1.6MM):

HYSA: $20k

Taxable Brokerage: $760k

Traditional IRA: $375k

Roth IRA: $270k

403b: $50k

Crypto: $3k

Silver: $7k

Pension: $160k

So the thing about my pension is that it's my current amount were i to withdraw today. However, if i let it sit, I can transform that into an annual pension as early as 55yo that pays roughly $25k/yr, or get more the longer i wait, maxing out at about $40k/yr if i wait until 62. I assume i should not withdraw this pension?

I taught for many years in CA, whose teachers don't contribute to social security, so i only have about 8 years of social security paying years of employment, so I'm not even counting any possible SS money into my calculations, as it will be a negligible amount.

As I'm sure is the case with many of you, my parents are getting old, and they recently floated the idea of me moving in with them (they live a few miles away, i currently rent). If i were to do this, i offered to pay their property taxes and home insurance (which they were very agreeable to), which would represent roughly a 50% cut for me in housing costs, which would turn my yearly spending to closer to $35k/yr.

So I'm really not sure what to do right now. Moving in with them does seem like a good idea (i get along well with them), but if i do that, how much longer would i need to work? how far away would you say i am to retiring if i do or don't move in with them? What would you do in my shoes?

Thanks in advance!