Pros
-more control of your investments
-Principal in Roth easily assessable in dire emergencies in preretirement ages at no penalty, tax, or forms to justify the expense.
-highly likely these years are the lowest tax rate you’ll be under, so you get an innate mathematical boost to the value of investments
-tax diversification
-more flexibility on withdrawals (Roth’s are not subject to required minimum distributions like 401k)

Cons:
A more dynamic portfolio to manage.



Seriously, it’s common general advice that you get money in 401k up to match, then maximize personal Roth, then maximize 401k