"I have 90% of holdings tucked away in TFSAs now.
Smart move; I hope everyone has their TFSA accounts maxed out, then RRSP accounts and only after that use regular trading accounts if money still available :)"
Nope. If you expect to have a high taxable income and a high tax rate, then the RRSP should avoided altogether or at most as a the last resort if you are desperate for the current year tax deduction from a contribution.
Capital gains are way less taxed (only 50% gain inclusion as taxable) than RRSP withdrawals (100% taxable) and eventually RSP withdrawals are forced out (RRIF. LIF) -- so you can't continue to defer the tax liability like you could with cap gain investments.
Obviously, I don't like RRSPs unless you are in a very high marginal tax rate in your working years (big tax savings) but then expect to be in a relatively low or very low tax rate in retirement, i.e. you have little in other income and your RRSP income is so low it barely attracts any taxes.
JMHO