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I need to do the simpliest thing for now, & re-evaluate in a few months ...

The simplest option might be to do nothing, if you are sure to re-visit the issue soon.

...I think I'll roll it to new co's 401K, which is w/Vanguard. If I do chose to do that, can I roll it later to my own IRA?

Most 401K plans don't allow that until you leave employment; your plan administrator in the HR department should know for sure.
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