Some state employees have access to both a 403b and a 457b, and are allowed to contribute the max ($18k, or more for catch-up, on top of employer contributions) to both. You can see if this is possible for you. You should be able to contribute nearly all of your income (a small amount needs to come out for FICA taxes) to the two plans, if they are available to you.
I don't know specifically about your rollover question, but that sounds right. You can also access our tIRA balance without penalties at anytime you want (with a 5-year lead-in) through the Roth IRA pipeline. You can find many threads and websites on that. There's also the Substantially Equal Periodic Payments option, but that's more complicated.