Technically, "employee matches" do not happen in "IRAs". You might be thinking of a 401(k) account, which may or may not have an employer match.
The difference between an ordinary account and an IRA is the "tax benefits", so when you remove that difference there isn't anything left. The rules for IRAs are provided by the IRS, and enforced by the IRS - so it's all about taxes.
More interesting is what to do for early retirement. Traditional IRAs (anything not a Roth) have a serious flaw - penalties on any early withdrawal. Roths split the difference: you can withdraw the same dollar amount you put in, but any growth in the account must stay there until age 59.5. And in this regard, a 401(k) acts like a Traditional IRA and requires waiting.
So what should you use, if you need to retire early? There's several answers:
1. You could do everything in taxable. Years ago this was a terrible idea, since interest and dividends are taxable. But today, the S&P 500 gives off only 2% in dividends, and special tax rates kick in even for that. Regular accounts ("taxable") could be a reasonable approach when using index funds.
2. Roth IRAs are worth a look. If you contribute $5,500 a year, and a Roth IRA grows to $8,000 you can still take out the original $5,500. But the other $2,500 has to remain until age 59.5. So a partial solution, especially since you should expect to live past 59.5 and wind up using the growth.
3. Traditional IRAs normally would be locked away too long. But you can do a "Roth conversion" by paying tax. You can take a $5,000 Traditional IRA, pay tax on $5,000 and get a Roth IRA out of it. I think there's a 5 year delay after conversion, but then you can again withdraw the $5,000 before the standard retirement age.
Hope that sheds some light on how things work differently for someone aiming for early retirement, but using retirement accounts that assume standard retirement ages.1