In terms of withdrawal strategies there are a few broad concepts.
1. Prefer Trad over Roth in accumulation if you think you will be able to withdraw or convert at a lower rate.
2. Your retirement withdrawal strategy will intersect with your social security claiming strategy. For example, you may wish to delay claiming SS and allow the payout to grow till age 70 and draw down your nest egg to cover the shortfall. An opposite strategy is that you may claim early to avoid tapping the nest egg, and thus let your capital grow. Perhaps there is a sweetener in the second strategy, like a minor child (second marriage, adoption) that could claim benefits while your benefit is being paid. Or perhaps you are aware of health risks and want to re-invest your ss checks. In general my plan is to delay SS, and draw from my traditional assets to utilize the lower brackets if I am retired between 62 and 70 (hopefully before).
3. Similar to 2 (&1), the presence of a pension can be a factor in your withdrawal strategy as it may grow from delaying draw, may had different options for spousal coverage, and may impact your expected tax rate.
4. When considering the effective tax rate at withdrawal/conversion you need to consider your fully loaded cost. That includes state/local taxes, taxability of SS, means testing, impact on the ACA (if you come under Obamacare pre-medicare).
5. Keep in mind laws change, so its going to be an estimate. The fact that its an estimate does not mean you can't try to come up with plans.
6. Similar to using your brackets, current tax law says you don't have to pay any capital gains taxes if you are in the 15% bracket. So you may need to weigh the "free" cap gains versus the opportunity to do Roth conversions in a lower bracket. Who knows if this perk will be part of the law when you are ready.
7. When thinking about #1 (current rate vs future rate), state taxes make a difference. Say you are in the 39.6% bracket, living in California (12%?) during your working years. If you plan to retire to Texas (no state tax) the traditional IRA/401(k) approach should be attractive based on state tax alone. Works the other way too. In the OP's case TX or FL residence may be appealing for conversion purposes.
8. Laws are subject to change, some folks opine that Roth's won't hold their status forever. I am aware of this but I don't fear it (similar #5, its okay to use your best data available and adjust).
9. Don't die with an HSA being inherited by a non-spouse. Your heirs will pay tax on it even if you had incurred qualifying expenses during your life sufficient to pull the money tax free.
My personal plan is to retire in my 50's and do a mix of conversions and withdrawals of my traditional balance until I reach 70 and draw on SS. I will live on my withdrawals and spend down my taxable accounts. I intend to have my roth balances be my last to draw account for the day-to-day, but be available for big ticket draws if something comes up and I don't want to spike my rate. I am also looking to draw down my HSA, which I am using as an extra retirement account by the time I reach 70. Depending on the status of healthcare I would try to optimize my tax rate and medical subsidies where practical (and perhaps college aid). I wouldn't plan to fall into the medicaid or expanded medicaid plans based on current law as I think (don't know) that having a full plan will result in better care. The final key part of my plan is to arrange to keep my expenses as low as possible (paid off downsize housing being key) once I lose the allmighty paycheck.
I am sure there are more organized responses that cover these points.
