Assuming you have enough to max all those tax advantaged accounts but no additional savings (30,250 assuming family HSA), you spend 29,750 per year (including taxes). Your 50% savings rate is approximately 16 years to FI. 16 years of Roth contributions is 88,000 (nearly 3 years of your assumed expenses), so you only need 2 years of expenses more to fill a Roth conversion pipeline. If you haven't found any other way to save this up by the time you are projecting FI in 3 years, determine if it would be better to pay the early withdraw penalty or reduce tax advantaged contributions. On the other hand, if you project that your savings outside of tax advantaged accounts would cover more than 2 years of expenses, you might be over contributing to Roth and should use Traditional IRA instead.
