I’ve come to the realization that deferring taxes into a 401K is shortsighted and I’m probably going to end up paying an even higher rate when RMD kicks. Just switched to a Roth 401k instead but it’s too late, having maxed out contributions to 401k for a long time already.

Fidelity 401ks have something called brokeragelink where you can invest into whatever you wish. That seems a better option than rolling into an IRA since you can still do a backdoor ROTH this way.