re: Smart to roll 401k from previous job into new one?

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Sure, because cheaper is always better.

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Sure, because more choices is always better, particularly for people who have no idea what they are doing, which is probably 95% of plan participants.

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And he is now stuck with like 12 options to choose from instead of 4,000 options for funds and stocks.

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Do you think someone who doesn't know what they're doing is better off with 12 choices or 4000? Wanna guess which DC plans perform best? The ones that offer participants dozens of options, or those that offer a well edited menu of core building blocks along with a professionally managed alternative like a TDF?

The idea that an individual is going to be meaningfully better off because they have access to a bunch of marginal esoteric fund options is silly. Cheap basic building blocks will get most people access to capital market returns they need to build wealth over long time horizons.

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You ever get just the appetizer at a restaurant or would you also like to eat an entree?

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I don't really know what this means.