Automated investing for retirement accounts (fidelity/schwab) vs picking your own distributions. The good vs the bad. Discuss

30 yr old with a stable 100,000-150,000 yr income pretax. I have ~25,000 in a traditional IRA, ~60,000 in a Roth IRA both using Schwab intelligent portfolios with a moderate and not aggressive setting. Because of different jobs over the years, I also have a fidelity account with ~70,000 in a 401k, and around the same amount in my taxable individual account all in SGOV due to my HCOL situation. I also have 6 months of rent + credit card payment $ in a HYSA. In terms of risk, it seems like intelli