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avalpert t1_j2a8f7i wrote on December 30, 2022 at 7:43 PM

The only potential downside is if you are offsetting gains that would fall in the 0% bracket.

vynm2 t1_j2cai2c wrote on December 31, 2022 at 4:33 AM

That is a downside, but not the "only" potential downside.