IRAs are a bad deal in so many ways...
Maybe, maybe not. You got to defer taxes for all those years you contributed and until you retire. Usually you are in a lower tax bracket after retirement when you start paying taxes on your withdrawals.
I’m going to look into this business about not having to take a distribution if I haven’t retired as I mention in an above comment.
You can pass retirement account to heirs upon your death tax free. I’d like to do that if possible.