Those are the rules today only. What about tomorrow, next week, or next year? I still say the old accountant rule of thumb to always defer taxes immediately is the best strategy. Accountants know better than anyone that what is taxable and what isn't taxable changes with the seasons.
You may be right. I think it’s dangerous these days to do anything that is deliberately taxed advantaged, including any IRA. There’s no question in my mind that the government will begin means testing social security. That’s another backdoor tax on IRA’s.