The great thing about these investments is that each year you can make that decision. It isn't like you invest one in Roth and now you have to for the rest of your life.

Every year I look at what accounts I'm investing in to make sure it is the most tax advantageous account for me, right now. I don't know what my retirement income will be, but I'll bet you little to none of it will be W2 so ROTH can be a major disadvantage in that situation because you miss out on the tax advantage during accumulation.

But if my income were to drop significantly, I may stop contributing to a traditional 401k and start into a ROTH 401k because the tax advantage won't be worthwhile. But again, every year you can look at your situation and even make adjustments mid-year.

I like a little in my ROTH because I can foresee myself using a ROTH conversion latter, so having the contributions accessible while the conversions are in the "baking" process is very valuable to me.

Just curious what these magical scenarios are that you are flaunting.