I do understand that, past the £100k income threshold, one gradually loses her personal allowance at the rate of £1 every £2 earned.
With this fiscal year's figures, the personal allowance is £11,850 if you earn less than £100,000 and 0 if you earn £123,700 or above, linearly varying inbetween.
Supposing one earns exactly £123,700 to make things easier, the take home pay would be £75,021.88 (according to salarycalculator.co.uk), meaning that roughly 39.35% goes to the taxman.
One of the advertised solution to avoid this so-called "tax trap" seems to be that of keeping the taxable income just under £100k by (if possible) contributing to the pension before tax.
Is the above the only solution to avoid being taxed at this higher rate? Does it make sense for any income greater than £100k?