IRAs are a scam.
You expose your stack for the promise of some tax benefits down the road, and you also give up sole custody of the keys to your sats.
Better to keep your corn in a silo that only you control and have knowledge of IMO
Discussion
Can’t you do both? IRA and self custody the majority. Save some tax now and use a reputable custodian for the IRA. I understand there is 3rd party risk. I haven’t found anything I’m comfortable with, hence the question, but I also like to do some tax planning and have multiple buckets just in case I can retire some day.
Do you think the current fiat IRS regime will still be in power by the time you retire?
I think IRAs do make some sense for fiat savings, particularly the Roth variety, assuming you plan on living into your late seventies and beyond.