>Is there a downside (besides being out $1300) to cashing out both accounts

Yes, you're going to pay tax and a 10% penalty on your Traditional IRA withdrawal, and on any earnings from your Roth IRA. So say you've put in $10,000 into the Roth, then $1,000 is the earnings. So that's $6,500+$1,000 that gets added to your taxable income, although that may be low this year depending on your 2022 income so far. On top of that, there's a penalty applied after taxes are computed, which is going to be 10% of that, so $750. So you'll either pay that, or $750 is reduced from that refundable Child Tax Credit you have.

If you don't expect to use $16k, don't take out $16k. Take out your Roth contributions first. No tax, no penalty. Then take out $2k (or whatever) at a time from your Traditional IRA.

And are sure you have surrender charges? Those aren't common in IRA's. Unless you're using "surrender charges" to mean "taxes and penalties".