Usually, at the end of December (20th or later, after all dividends have been paid out) I calculate how much LTCG I can take and still be in the 0% tax bracket. Last year I had a lot of space--over $10k.
Our overall effective tax rate is 0% on Federal and 0% on state. If it were me, I'd take the tax free gains. You can't control what taxes will look like in 3 or 5 years, but if you take gains now, you're definitely getting SOME benefit.