As the previous response mentioned, if you are paying off the $14K in CC debt by "a few thousand a month" then you should be done by early next year. Not worth it to sacrifice your retirement in order to move this up by a few months.
Why the car loan for $16K if you have this much extra cash each month? Is it a super-low interest rate?
401k's generally allow loans to be drawn against them; however, IRA's do not. I believe there is some rule that allows you to withdraw and then replace the full amount within 60 days without penalty ... but I'm not well versed in how that works (and typically it's not a good idea to chance it anyway because you never know what could happen).
You're working 2 jobs -- is one of them the Uber, or is Uber essentially a 3rd job? You have a good amount of cash coming in right now -- it's just that some of it is going toward debt right now because you *chose* to do some work on your house prior to saving up ahead of time for it. *Face Punch*
I would suggest creating some "sinking funds" ... for future car repair/replacement, for future home projects, etc. Stop spending your money before you've earned/saved it.
At 44, you need to start looking toward the horizon. It sounds like you're making significant improvements with maxing out your retirement accounts -- just to confirm, in 2016 you have contributed $5.5K toward the Roth and $18K toward the 401K, correct? It will still be a while before the balances start creeping up enough to get you into a more acceptable position for your age.
For the pension plan at your former employer, you should definitely NOT take the lump sum in cash. My personal opinion is that it's better to roll the $21K into an IRA (as opposed to receiving $79/month) *provided* that you don't touch the money until retirement. This is key! I'm hoping that this will increase your motivation to save as you see your liquid assets climb closer to the $100K milestone marker.