My mother inherited the account, but has not touched the principal or withdrawn anything. Yes, it's part of a trust and it's stipulated in writing that my sibling and I can't withdraw until we're at least 59.5 ... to avoid multiple Vegas benders and yacht shopping ... I don't know ;). Even if she passed away today, I wouldn't be able to access that account until 59.5, unless the trust agreement is revised.
My mother could technically withdraw on it, but she has a nice pension, withdraws from her own IRA as well as takes Social Security ... and has a paid-off home.
Anyway, per Catbert's last comment, I wonder if there is a loophole. But it seems to me withdrawals would already have had to be occurring for me to avoid this new required 10-year withdrawal window.
I'll report back with more details when I get them. Thanks.