This is a revelation for me. But it reminds me of a quote:
“The more I learn, the more I realize how much I don't know.”
Are you going to be at an income that makes the full 85% of SS taxable income? If not then your RMDs will effectively get double taxed.
Do not ever back away from your plan to delay SS and make that income stream as large as possible.
What was the yield on the fund a year ago?