Automated investing for retirement accounts (fidelity/schwab) vs picking your own distributions. The good vs the bad. Discuss

30 yr old with a stable 100,000-150,000 yr income pretax. I have \~25,000 in a traditional IRA, \~60,000 in a Roth IRA both using Schwab intelligent portfolios with a moderate and not aggressive setting. Because of different jobs over the years, I also have a fidelity account with \~70,000 in a 401k, and around the same amount in my taxable individual account all in SGOV due to my HCOL situation. I also have 6 months of rent + credit card payment $ in a HYSA.

In terms of risk, it seems like intelligent portfolio for Schwab and Go for fidelity is not too risky even when the risk score is maxed out, and still keeps \~8% of my $ in cash as an investment. I have been toying with the idea of stopping the usage of these accounts, and just going all in on VT or VOO or something similar that I see on this subreddit. I am also considering dumping some of my SGOV to buy VT or VOO in my taxable account in a 60/40 split prioritizing the savings in SGOV.

And I not taking enough risk as a 30yr old in a good industry who is not buying a house anytime soon? Subjective, I know, but I’d like some feedback. It’s nice that my retirement accounts are all automated but I would get the same off hands commitment level if I just stuck to something like VT or VOO.