If you are born in 1958 or after, you can withdraw additional amount of up to 20% of your retirement savings from 65

It depends on your preference and what u chose to do with the funds.

Unless you have other investment options or needs, I think it's better to leave it in CPF.

You should first determine if the payout amount is sufficient for yourself.

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If you need to increase the payout, then you will need to take on higher risk.

For low risk, then generally people will just opt for cpf life.

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If CPF is spare cash, then you can consider withdraw amount and pass on to your children if any, to say 'worth it'.

It depends, if you are at the age, maybe you think otherwise the needs at the point of time.