NovaRoma on Nostr: I would roll it. The penalty is massive, and a good Bitcoin only custodian like Swan ...

I would roll it. The penalty is massive, and a good Bitcoin only custodian like Swan will probably still be around when you turn 59.5. There is some risk of total loss, and you should hold your own keys with future savings, but the reward of avoiding the penalty justifies the risk, in my opinion.