I'll admit that one of the things that makes me nervous about the Roth, and not taking your tax advantage now instead of later, is that in an extreme situation,

I'll admit that one of the things that makes me nervous about the Roth, and not taking your tax advantage now instead of later, is that in an extreme situation, the government could renege on the promise of tax free gains and distributions. They can't renege on the tax advantage they already gave you with a traditional.