FWIW, your monthly budget basically double-counts your daycare expenses -- you are counting both the payments to the dependent-care account and the checks you write to daycare as deductions. In reality, the "cost" of your daycare is the difference between the two (in your case, about $160). So if you are feeling like the monthly budget is crunched, you can account for it as a net -$160 to give yourself more breathing room. OTOH, if you *like* the feel of a tight monthly budget as a deterrent from spending, you can continue to account for it as you are and then use the reimbursement check as additional investment.
Given your ages, if you are in good health, I'd look seriously at the high-deductible insurance + HSA option. The primary benefit of the HSA is to contribute and compile money over decades, so that by the time you are older, you have a big tax-free 'stache to use for future healtcare needs. Check the terms of the high-deductible plan and check with your doctor's office about the cost of likely routine needs (physicals, immunizations, periodic bloodwork, visits for normal kid ailments, etc.), along with the downside risk if something goes bad (e.g., how much do ER + specialist visits cost if someone breaks an arm?).
