Required minimum distributions start at about 5% (not 10%) at age 72, and increase with age. But your general point stands. RMDs will add to one's tax bill, by

Required minimum distributions start at about 5% (not 10%) at age 72, and increase with age. But your general point stands. RMDs will add to one's tax bill, by regular tax brackets and having up to 85% of Social Security benefits taxed too.