re: 401k Rollover advice needed........

Depends on whether you think your tax rate will be higher or lower at retirement. The break even point is generally 15-20 years. If you are in your 20’s - 30’s...go for it if you have the extra cash. Just be careful it doesn’t push you into a higher tax bracket.

I like a combo myself. Use Roth funds with IRA funds in years you have higher distribution needs (new car, home improvement needs, medical bills, etc.) to balance tax liability. Use IRA funds in years with lower distribution needs. I’ve seen people in retirement with more tax deductions than they can use in certain years so we went ahead and made IRA distributions above what they needed to take advantage of the low liability.