Yeah, it's an Opinion...BUT:
Bond purchases from the refund get all screwed up if the IRS changes, or delays your tax refund for any reason.
...Just get your refund deposited in your bank account, and set yourself up separately with a Treasury Direct account and buy your I-bonds there. Yeah, you'd probably have to set two accts up....one for yourself and another for your spouse......but then you can buy at any time you feel it's appropriate.
Downside? yeah...Yet Another acct/pwd to keep track of.
____________*Answers are correct to the best of my knowledge when posted, but should not be considered to be legal or official tax advice.*
