Withdrawals, since not previously taxed, will be included in your taxable ordinary income. RMDs are the minimum that you must withdraw each year — you can always withdraw more, but withdrawing more than the maximum does not allow you to carry over the difference and lowering your RMD in future years.
It is extremely important to have a will even if your total assets are minimal. Although you can go online and create a basic will, it is highly recommended to sit with a professional and develop a plan that works for you. Estate planning attorneys have the knowledge and background to make suggestions that will help determine your future asset allocations.