Buy at Toa payoh if possible, sembawang got nothing interesting, boring place.
Is a good move to clear with cash, if you want retire soon with no liability, at the same time continue to let your OA grow at 2.5%.
Just ensure you will still have enough $$$ for emergency i.e. loss of job.
People always say 6mth emergency fund, but i personally think should be more, given the fact everytime job hopping normally take 2 years+ to find a job ( i just a normal 9-5). High flyer maybe different.