Thanks BD, I'd be interested to hear what he thinks.

Response to question things:
I already max out my Roth IRA which is tax exempt.  edit: Roth max is 4k this year, jumps to 5k next year I think.
I max out my employer match into my 401k.

I want to invest more, but I want to be careful about adding my own money into the rollover acct because things might get tricky tax wise when I have to start pulling that money out in 40 years.  My question is:  Is it a mistake to make personal contributions (pre-tax) to my rollover IRA that only has the results of my original employer matched 401k fund?  OR, because it is still pre-tax, would it be ok to contribute to it?

Thanks!