Are you referring to this article
? If so, it only relates to DC pensions, although it could affect RMPP members with AVC's, which is covered here
. And the £4k limit does include employer contributions too!
The advantage of paying into a DC pension while already drawing on it(or different one) above the 25% tax free amount, is that you still get the tax relief and employer contributions(if applicable), which we all know are valuable benefits.
I would agree with heapsy, that taking a DB pension early and so incurring an actuarial reduction, doesn't make sense.