Need Help Regarding IRA

I have been a ZH fan for several years. I do not understand everything I read here, but I it stretches me. And I enjoy the comments. My question is, how can I get over my "normalcy bias" regarding my IRA. I honestly want to cash it out, pay the taxes and penalties, and put my money in something more, say, physical. But I cannot seem to bring myself to do it. In my tax bracket I will lose approximately 50% of the "fiat value". My fears are: 1. I fear that after I close the IRA I will have missed an opportunity to buy the phyz. Like some kind of timing will either make it illegal or too expensive to actually take possession. Or the phyz will be unavailable. 2. I fear that I am somehow making a huge mistake by not being diversified into "the stock market" any longer. My fear has me paralyzed. I need a ZH pep talk, if there is such a thing.