USFR
WisdomTree Floating Rate Treasury Fund
stock NYSE ETF

adding 33% USFR has given me such peace of mind.

This is essentially trying to time the market. It’s also performance chasing.
Disabuse yourself of these notions. Keep the money and HYSA or if you have a subject of state taxes in a treasury ETF like USFR

Just aggressively averaging down, down bigly but oh well; better than staring at USFR and vt move sideways or up 3%

Your Roth plan seems alright.
For emergency fund I do the same, but with USFR. Very similar thing though. Using SGOV or USFR will be some significant percentage of state-tax-exempt which is nice.
Keep in mind business hours and settling times. If you need those emergency funds you'll have to sell some of your position and wait for it to settle before you can withdraw it. In my case, I have Fidelity's cash back credit card and plenty of wiggle room, so I can use the CC to cover the emergency in the interim.
Note on the credit card: If you can consistently pay the full statement balance each month you aren't charged any interest. On a cashback card like Fidelity's this means you can get 2% cash back on all of your purchases, pay no interest, and roll the rewards into your brokerage account, essentially making life 2% cheaper (or you can think of it as 2% of everything you spend goes into investing for your future).

adding 33% USFR has given me such peace of mind.

This is essentially trying to time the market. It’s also performance chasing.
Disabuse yourself of these notions. Keep the money and HYSA or if you have a subject of state taxes in a treasury ETF like USFR

Just aggressively averaging down, down bigly but oh well; better than staring at USFR and vt move sideways or up 3%

Your Roth plan seems alright.
For emergency fund I do the same, but with USFR. Very similar thing though. Using SGOV or USFR will be some significant percentage of state-tax-exempt which is nice.
Keep in mind business hours and settling times. If you need those emergency funds you'll have to sell some of your position and wait for it to settle before you can withdraw it. In my case, I have Fidelity's cash back credit card and plenty of wiggle room, so I can use the CC to cover the emergency in the interim.
Note on the credit card: If you can consistently pay the full statement balance each month you aren't charged any interest. On a cashback card like Fidelity's this means you can get 2% cash back on all of your purchases, pay no interest, and roll the rewards into your brokerage account, essentially making life 2% cheaper (or you can think of it as 2% of everything you spend goes into investing for your future).

Check SGOV, TFLO, SHV, USFR, BIL.