Where one would turn off reinvesting dividends is where you are withdrawing taxable funds for spending... why reinvest dividends rather than just reduce the amount of your withdrawal by the amount of the dividend if you take the dividend in cash.
To be clear, in a taxable account dividends are income whether taken in cash or reinvested.
My MYGA annuity will be done in Dec. 2023. I will have till July 2024 before the next MYGA starts paying. I have stopped reinvesting my Divs and CG in my taxable acct. and they go into Fido SPAXX. Then i have been buying or adding to Tbills. Do I just let that money set in spaxx and then just withdrawal it monthly as needed? I also have Tbill that renew each month I could take $2k or 3k from them before renewing. Thanks for any input of the best way to bridge 7 months.