My 401k s are with Vanguard, have been for years. They automatically transfer the proper amount out and into my taxable Prime Money Market fund.
Last year (2020) through a misunderstanding they took my RMD. My CPA told me to put the money back in the 401k and he would treat it as a "rollover" on my 2020 return. Fixed it, no tax liability.
I don't think it has been decided whether or not RMDs will be required for 2021. Stay tuned.
A valid point can be made about taking and paying now if you expect taxes to be radically higher in future years. But, if they are and you reinvest the money you will be paying the higher taxes on your gains rather than letting your money grow tax free in the 401k. To me it seems better to leave it in the 401k and let it grow tax free.
Another option would be to take it out, pay the tax, and put it in a Roth.
These are questions better answered by your CPA or EA who has knowledge of your personal circumstances.
You might want to read the Motley Fool and what Forbes has to say about it.
It could be bad to assume tax free growth at this point in time, tax protected or otherwise.
Jmo
