Taxable is inherited at stepped up basis meaning they pay no taxes on your gains. That’s even better than paying capital gains rates on it. I’d suggest taxable is your last choice. - paulecker
I would make Roth last since your heirs pay no taxes on your gains, PLUS they pay no taxes on another ten years of their gains after that. Think of it as a ten year delay in the step up in basis. I wouldn’t give that up if at all possible.
Agree that paring down the 401K to the extent feasible would be the first choice for covering living expenses or Roth conversion funds.