Pension v payment of capital sum

Advice needed:
Scotland
With all said and done i have no issue with the fact that I am due a balancing payment sum. I have been offered a discount of 20% if I pay capital as my ex solicitor is not interested in pension rights.

Do I have to concede and give my ex capital from proceeds of sale from our house rather than part of my future pension. I am concerned that if I give her capital I will leave myself "very short" in terms of putting down capital for a new mortgage. whereas my wife has already bought a new house (with family money) i am in rented and hope to buy a house for my self and for my children. I have received a letter from my ex lawyer stating that if I don''t agree to paying capital as soon as the house is sold they will consider a divorce action against me for payment of a capital sum. Sounds like bully tactics to me but thought I''d check.
Secondly - if I transfer pension rights would my wife have to wait till 65 to claim the pension? This could explain her solicitors insistence on capital.