Well, you're saying "taking out will not put me in a higher bracket" so I suppose its a matter of timing.
You are probably paying 12% or 22% now. Do you think rates will go up or down? Do you think you will need to withdraw more or less for living expenses in the future?
Suppose you are in the 12% bracket and you could withdraw $5000 more before you are bumped up. You withdraw and pay the tax, and invest in something else where you have to pay tax on the interest and dividends, or you convert to a Roth and pay the tax, but never pay tax again on any future gains within the Roth IRA. That means you can withdraw it later without bumping your tax rate. Rates are scheduled to go back up to 15% in 2026, converting at 12% now would save money. But if a different Congress lowers rates, you might have been better off waiting. You need a crystal ball, or maybe an investment advisor.
Here is an article on Roth conversions.
https://blog.turbotax.intuit.com/taxes-101/taxes-101-ira-conversions-1946/
