If I have Roth AND Traditional accounts  my income will probably be in the 25% bracket  due to withdrawing from traditional account...
Depends on exactly how much of each.
See Investment Order, in particular the discussion and footnotes for #4.
Yes, I have read the Investment Order and the links at #4 and I'm still confused.
Yes, it's not the most straightforward thing. If you go through these steps:
1) Include any guaranteed pension amount that you can't defer in return for higher payments when you do start 2) Take current traditional balance and predict value at retirement (e.g., with Excel's FV function) using a conservative real return, maybe 3% or so. Take 4% of that value as an annual withdrawal. 3) Take current taxable balance and predict value at retirement (e.g., with Excel's FV function) using a conservative real return, maybe 3% or so. Take 2% of that value as qualified dividends. 4a) Decide whether SS income should be considered, or whether you will be able to do enough traditional>Roth conversions before taking SS. 4b) Include SS income projections (using today's dollars) if needed from step 4a. 5) Calculate marginal rate using today's tax law on the numbers from step 14. 6) Make your traditional vs. Roth decision for this year's contribution 
...where does the confusion start?
I don't have any traditional balance lol.
Can you give me an example using the above steps? It will help me see it and put it together.
Assume you have $9600K/yr in pension, no traditional balance, $30K in taxable investment (efund doesn't count), 20 years to retirement, no SS income,
1. $9600K/yr
2. $0
3. In EXCEL: =FV(0.03,20,0,30000,0) This gives $54,183. Taking 2% of that give $1084/yr in dividends.
4. $0
5. Using the
case study spreadsheet, enter on the 'Calculations' tab
G2: 1 G3: 1 G8: 38 B26: =1084/12 B27: 800

For a quick look, see cell N30 for the marginal rate of ordinary income (e.g., a tIRA withdrawal). With the numbers given, the answer is 0%.
For a better overview, see the 'Instructions' tab starting in cell B15 and change the "Column input cell" to B25. You should get a chart similar to
That confirms the 0% marginal rate on tIRA withdrawals because, currently, you have a $0 traditional balance. If you expected a $200K traditional balance in retirement, taking 4% of that would be $8K/yr and the marginal rate at that point is 10%.
With the situation outline above, you would conclude that for this year, your contribution should be traditional because whatever your current marginal rate it is >0%.
Does that make sense?
It seems that the only way I get 015% is to do roth conversions when I'm unemployed.
Or retired?