I like simplicity, too, but we are headed toward rolling our T-IRAs back into our work plans. Those plans are pretty good, with low fees and the ability to buy Vanguard funds. However, the main reason is that ERISA plans (401k, 401b type plans at work) have more liability protection in our state (MN) than IRAs. Here is an article about that and, within it, is a link to a state-by-state analysis of how protected IRAs are, or not, from lawsuits and creditors.
http://www.investopedia.com/articles...t-lawsuits.asp