Don’t underestimate a taxable brokerage account. If you invest with tax efficiency (ETFs, some index funds, Vanguard Tax managed funds) you can pay very little if any tax. If your total income is under a certain level long term capital gains and qualified dividends are taxed at zero rate. I FIRED at 53. Paid zero federal income tax last three years.
Of course tax laws could change but a taxable account managed properly is a good thing.
You also avoid all the pain in the butt rules for accessing your money in an IRA before 59 1/2, no RMDs, no limits on how much you can save, and those who inherit from you get a stepped up cost basis.