I looked at converting up to $2M (assuming I'd have that much to convert) over a decade ending at age 75 (start of RMDs per SECURE 2.0). In the short term, the higher taxes would reduce my net worth slightly. Breakeven happens around age 80. I'd have to live into my late 90s to see a 10% or larger impact). Overall, it seems like more trouble than it's worth.