Nor do they have another feature that makes IRA to Roth IRA conversions easier to stomach: the ability to undo the conversion in the following calendar year if you changeyourmind (say your stocks take a big hit).
But what I'm saying is, if you're forced to have the option of something, you may changeyourmind, you may find out that you like it, you may give it a try.
So changeyourmind if you wish, but the working teachers in the country also get to have a say about their classrooms and what they are being asked to do to their students.