If you really, truly enjoy working--or if you can't stomach the idea of not working--than you shouldn't retire if your pension and SS match your income. But the thing to remember is that you can easily retire even if your pension and SS don't equal your current income. Your taxes will be less. And you can do it if you have reasonable expecations of how you want to live, and few if any debts--and avoid making new debts.
There isn't much red tape involved in registering for SS. The big decision is whether to take a reduced SS payment to start at age 62, or wait to get a bigger monthly check at a later age. Keep in mind that if you collect SS before 65 and still hold a job (full or part time), the gov't will cut your payment if you earn more than a certain amount.
TIS, my advice, if you're within, say, a year or two of retirement, is to hire a financial adviser to look at your total financial picture, your lifestyle and your outlook, and run the numbers for you. My employer provided me with a financial adviser, and I had him and his staff run the numbers for me three times before I took the plunge.