There are some caveats to withdrawing your contributions at any time for a MBR. There is an ordering system for conversions that means if you pay tax on any part of the conversion between after tax and Roth, that taxed part for year one has to come out, with penalty if less than five tax years old, before you can access year two. This will also apply if you are doing backdoor Roth or a conversion ladder.
You state that you can add $37k, do you not have any employer match? If you do have a match, be sure that you make your contributions in a way that does not interfere. The rules can vary widely.
Nonetheless, as long as you are aware of the timings, MBR is an excellent early retirement tool. If you are able to start it early enough, that may be how you fund a conversion ladder. It gives you a high level of control over your taxable income, which can affect ACA subsidies, as well as actual taxes.
Remember, money is fungible amd tax advantaged accounts are just that. There are numerous means of accessing them. If you keep your income low enough, even the 10% penalty can be an advantage over paying taxes during your highest earning years.