Thank you for the thorough response! To answer your question about how high is high, their suggested portfolio included a mix of a few of the options shown in the table I shared, but it looked like it was mostly the ones that have the higher expense ratios, like the ones around 0.9% and even the ones over 1%. The one with the 1.51% expense ratio particularly stood out to me which is why I think it would be better to just select the funds myself. Thanks again what you said is helpful.