Not your keys, not your coins 💔
Discussion
FACTS
I would roll it. The penalty is massive, and a good Bitcoin only custodian like Swan will probably still be around when you turn 59.5. There is some risk of total loss, and you should hold your own keys with future savings, but the reward of avoiding the penalty justifies the risk, in my opinion.
Based off my math, if I roll it over to unchained ira, I'll be losing roughly 8% of my total balance, spread over the course of xx years i have remaining until retirement.
If I call it right, I'll be taking a one time hit of 19% (penalty + tax) if I liquidate. That's nearly 2.5x more.... !!!