Retirement plan loan, or withdraw from a Roth IRA?

[Opus 17]

I need $10,000 to complete a kitchen model. My options, besides a bank loan of some kind, would be to withdraw contributions from a Roth IRA, or take a plan loan from my 403b, with a 5 year repayment schedule (that could be accelerated if I choose to make extra payments).  (An HELOC is off the table, even though I would get a discount on the interest from the itemized deduction, because I want to avoid the hassle, paperwork, various fees, and don't want a loan on my credit report.)

I know what I think I should do, but I am curious for other opinions. 

[Bsch4477]

Another option is credit card surfing. Assuming good credit, you can get a credit card which offers no interest charge for 15 months. If you can’t pay it all at the end of the 15 months you then get a credit card which allows a balance transfer with no interest payment required for some months hence. The risk is being approved for the second card and a charge on the transfer balance but that is usually much less than the interest charge from a bank. 

[dmertz]

As long as you are diligent about paying off the loan such that you never cause a deemed distribution, a loan from the 403(b) makes more sense than making a Roth IRA distribution.  If you have to, you can always take Roth IRA distributions later to be able to make the payments on the loan.  Taking a distribution from the Roth IRA would permanently reduce the potential for tax-free growth in the Roth IRA.