Your link was truncated by the forum software but I get the idea and the confusion.
Investopedia is simply stating that your Roth IRA passes outside your estate (i.e., not a probate asset), which is totally irrelevant for the purposes of federal estate tax inclusion and valuation.
Again, unless your estate is very large (over $13.6 million for 2024) or expect it to exceed the limits in the future (which should still be in the millions if the limit is reduced) then you need not be concerned with the federal estate tax.
