No idea if you're asking a question or simply providing advise. If this is a question, you've basically answered it with your pros and cons. The only point I would add is that inherited assets get a "step-up" basis. What that means is the tax basis for the inherited assets are generally valued as of the decedent's date of death (or 6 months after date of death under some circumstance). In other words, any appreciation (or depreciation for that matter) prior to date of death is not subject to tax. All gains or losses after date of death are considered long-term capital gains or losses.
Only you can decide which way is better for you. Good luck in making that decision, assuming this is a question.
