SD-IRA vs. Traditional Custodian for Gold? Weighing Options Before My First Transfer

• •Okay, so I'm getting close to pulling the trigger on transferring some of my old 403(b) funds into a Gold IRA.
• •The amount I'm looking to roll over is about $65k from an old employer, so it's not chump change for me, but it's not a fortune either.
• •I'm based here in Albuquerque and just trying to figure out the best logistical path now.

Okay, so I'm getting close to pulling the trigger on transferring some of my old 403(b) funds into a Gold IRA. I've been doing a ton of research, probably watched too many YouTube videos, and feel pretty good about the "why" – complementing my government pension and diversifying out of just stocks. The amount I'm looking to roll over is about $65k from an old employer, so it's not chump change for me, but it's not a fortune either. I'm based here in Albuquerque and just trying to figure out the best logistical path now.

My biggest hang-up at the moment is deciding between a true self-directed IRA (SD-IRA) where I have full control over the custodian and storage, versus going with one of the more "traditional" gold IRA companies that basically handle everything. On one hand, the idea of having more granular control with an SD-IRA is appealing. I like the idea of picking my own depository and knowing exactly what's what. But then I get into the weeds of vetting third-party custodians, understanding all the regulations, and it starts to feel a bit overwhelming, especially since this is my first time doing anything like this.

I've been playing around with that Tax Calculator tool a bunch, trying to model out different scenarios for taxes down the line, which has been super helpful. But honestly, the administrative side of a truly self-directed option still gives me pause. Has anyone here gone the SD-IRA route for physical gold? What was the setup process like? Was it worth the extra effort compared to a more streamlined option? I'm trying to balance the desire for control with not wanting to turn this into a second job. Any insights, especially from folks who started with a similar sized portfolio, would be really appreciated.