Well as long as you are in the 15% bracket you want divs and capital gains every year. Saves you the effort of tax gain harvesting.
Tax managed funds make no sense for you. Paying an extra .07% in ER eats up the tax savings versus buying total market even if you got up into the 25% bracket. . Have tax rate on divs of 30%+ instead of 0%, and they make a ton more sense.