I don't invest with taxable accounts, but there are significant tax consequences for options. (money.stackexchange.com)
In case of an emergency, you can take out money from either account but you will have to pay it back if you want to avoid significant tax consequences. (thecollegeinvestor.com)
However, if you have a large estate that would likely face significant tax consequences on the later of you and your spouse's death, then the first two choices will benefit you more. (briansoinsurance.com)