Nothing like asking a question, then disappearing, right?
Back to it. Thanks for the input on these. I spoke with a rep today at Schwab, where my old 401k is housed, and got some insight. Several years ago, I used their guided service to re-set my investments. At that time, for whatever reason I don't remember, I changed my distribution to 50% traditional 401k, and 50% Roth 401k. Since I have a mixture of pre- and post-tax deposits, if I rollover, I would have to split the amount between a traditional rollover IRA and a Roth IRA. I could then regularly contribute to the Roth, and have the rollover account growing alongside. Plus, if I start the 401k with the contract company, I can rollover whatever I've contributed and earned over that length of time into the same rollover IRA.
Of course, Schwab would love to roll me over to their account, and keep me as a customer, but my understanding is I can roll that 401k over to any institution in the same way. Does that sound about right?