@Nan2C
Just keep it simple. Over the age of 59 1/2, Roth IRA withdrawal‘s do not add to your MAGI.
What I should have made clear, and may have gotten a bit turned around on myself, is that Roth IRA withdrawals can have two characteristics. They can be qualified (or not) and they can be early (or not). All of your withdrawals are qualified at this point, because your account is more than five years old and you are over age 59 1/2. If you withdraw a conversion in less than 5 years, that would be early. But the only tax issue for an early withdrawal is the 10% additional penalty, and that is automatically excluded if you are over 59 1/2. So even though some of your withdrawals might technically be early, they are all qualified, and you will not pay any income tax or penalties on any withdrawals from any Roth IRA for the rest of your life and they don’t add to your MAGI.
However, you also talked about doing new conversions of traditional IRA to Roth IRA, and that will raise your MAGI for the year you do the conversion.
