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Or, one could just have the majority of their retirement assets in a Roth account and not have to worry about it

To do that, it assumes that one was actually eligible to contribute to a Roth or could do the back-door Roth conversions. In our case, the only time we were eligible to contribute to Roths were during times when I was not working. There were a few periods of unemployment during my career when we made Roth contributions, and now that I am retired, we are able to contribute. I rolled my 401ks over to TIRAs when I left a job, and so the backdoor Roth didn't work for us. So we have significant taxable accounts, significant TIRAs, and small Roths, but are able to do some conversions for the next few years.
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