Thanks for the feedback. Here is feedback to a few points brought up.
Given my current income, and the future pension and SS payments (plus a pre-SS benefit that comes with my pension plan as soon as I retire), I doubt there will ever be a time my marginal tax rate will be lower than it is today (unless tax rates go down
) so I don't think that I will ever have the chance to take out money at lower tax brackets than today (though moving to a tax free state after retirement may make a slight dent in that statement).
My 457 plan automatically cuts off deductions once I hit the limit for the year, so that is not a concern for me.
There is a LTC plan I can get at work each sign up period. No exam is required. I examined the payout limits (per period / overall / length of time) and the amount I would need to pay. Add in the fact I have a desk job, I workout every day and in the best shape in 20 years, and no family history of early health problems, and I don't think LTC insurance makes sense for me. Instead I invest the amount I save not doing that and basically self-insure. I know its a risk, but I think it is a good risk.
And for the 457 plan costs, the employer is very good about it, even having employees on the board that negotiates fees with the administrator. And the past two years we have gotten rebates into our accounts from actual fees being less than expected (this year was a $600 bump for me).
So it sounds like I should stick with the plan I have, getting some tax benefit now, while upping my Roth balances to keep taxes low in retirement. Thanks again for the replies.