Yes. Converting a portion of traditional accounts to Roth each year might be useful. Depends on the traditional balance and any "unavoidable" (e.g., pension) income.
I don't undersstand, how would converting my traditional accounts to Roth be useful? Or are you talking about when I have to start withdrawing?
You are asking some FANTASTIC questions.
Conversion to a Roth can be useful for a couple of great reasons.
1.Roths never require required minimum distributions. A traditional IRA does. For many, they might not WANT to take out money starting at age 70.5, but are forced to if it is in an IRA.
2. Roth distributions do not count as income and are not taxed when distributed.
3. The amount you contribute to a Roth can be withdrawn anytime prior to 59 1/2 without penalty. Your posts suggest you are older than that, so this probably does not matter to you. In the case of a conversion, you must wait 5 years if you are younger than 59 1/2.
Based on your statement that your SS will be enough to live on, you might want to investigate converting so you can take it out when you WANT to instead of when you HAVE to. There can be some very advantageous ways to convert those funds to minimize taxes. If you are far from entering the next tax bracket, you can convert an amount that will "use up" the rest of that bracket.
Delaying SS could give you a couple of advantages:
1. Checks will be higher once you do start collecting.
2. Instead of having income in the form of SS, you could convert the same amount to a Roth, decreasing your stache subject to RMD's.
This would reduce RMD's, allow more conversions at a lower tax bracket, and raise your SS payments forever.
Everyone's numbers are different of course. YMMV.
@MDM gave 3 stages in your life in the post right before this one. Delaying SS might make stage "a" larger, which could cause a reduction in taxes for stage "c"
Keep us posted.