ROTH or not, "loophole" or "designed quirk" is irrelevant because my situation could have happened without any of it (never understood the "concept" of "loophole"... and how it could stay "open"... but that is a different discussion). It was indeed why I did it, BUT
if I just decided to stay with Traditional IRA, I'd have the very SAME problem.
P.S. Too bad I always despised "quirkiness" of tax laws (contributed just to 401K max all my life) and just started to learn about all that when I sold my house. Otherwise, I'd invest max to ROTH (I did not know what it is until the last year) starting from my student years and would be ready to retire by now. This is the LOOPHOLE. When I develop math models for my clients, I try to make there lives as simple as possible. Bureaucracy, apparently, lives by the opposite principle.
