> And I like the idea of 401k just being 'done' for the year

It's 99% psychologically and 1% financially advantageous to be "done" early…it sure is fun. :-)

With this additional info, if I were in your shoes, I'd use the bonus to max early without a second thought. My bonus was a bonus bonus (one-off) so I'll most likely go back to spread out next year and the only drawback that's even crossed my mind is that I need to remember my paychecks will be lower in January.