[p1acebo]

ERS is suboptimal.
Basic is correct choice.

You should have chosen BRS and kept the rest jn CPF SA to earn 4%. Because the Internal rate of return of cpf life is lower than 4%.

I would argue that FRS makes for a better choice.  You chose BRS you have to pledge your house and still pay back accrued interests somewhere down the road when you sell you house.

Choose FRS at 55, and then at 65 either Standard Plan or Basic Plan is the way to go.