If you ever get to a stage in your life when you’re in a lower income category (like waiting until age 70 to take Social Security), and the market is down, bite the bullet and take the capital gain, and then go to ETFs. I’m a geezer and I would never go back to MFs.
Long term capital gains tax is only 15% for many people, but it’s ZERO ZERO ZERO for tax year 2023 for married filing jointly income below $89,250. That’s like a Roth IRA ! Tax free! (well the dividends are not, but you get my idea).
Dividends are cute and cozy, but they suck from a tax point of view. If I could I’d always want my gains to come from long term capital gains.