First lump sum withdrawals will be disallowed.
Then the retirement age, and the age you can access your super, will be increased.
Now, there are perfectly good reasons for both of the above to be implemented, but as with most other national social/economic/tax policies over the last 40ish years, it will be designed and timed to maximise benefits for baby boomers, and tough luck for everyone else. If you're at the very end of the BB demographic, you might get left out - conversely, they might go long so if you're at the beginning of Gen Y, you may get lucky and be included - hence "about 45".
EDIT: And I forgot to add, they'll be coming for the SMSFs next, to make it uneconomical (if not impossible) for anyone with a fund of less than $200-300k to work with (ie: just about everyone).