Hello Again.
Yes, I know that area well (used to play soccer at the bull run fields), and transportation is a challenge there. But don't give up on it - try rideshare. certainly there has to be other people that commute from Manasass to Tysons
As for life insurance, I have a 10yr term for $250k. I know thinking about your kids is an emotional issue (and trust me life-insurance providers exploit the crap out of that... most of the ads show some pretty girl crying over a tombstone or being dragged into an orphanage). BUT - (and this is where you need the analytical side of your brain to really pay attention) - you do NOT need to leave your children millions. You need to leave enough money so that they can have the things that they otherwise would have had with you, given to them by someone you trust and who will love and care for your children.
Think about it this way: you only need to have enough life insurance to make up the difference between what you want to give your children and what you currently have in savings (including your ROTH, 30k emergency fund, 10k in bonds, your 401k, any home equity, and probably your wife's trust fund as well).
Because you are a mustachian, you should know that end-number is probably not as high as the insurers want you to think it is. The MOST important thing is having someone you love and trust ready to take care of your kids if the unspeakable happens.
Since you are an avid saver, your total worth is going up every year, and the amount you need to 'make up' in life insurance will go down a corresponding amount.
That's why term life insurance makes a lot of sense; in 10 years you will have most (or all) of your house paid off, you will have a nice (and growing) retirement account and your children will be older (and therefore be closer to standing on their own).
based on what you've told me, I'd say that a $250k term life insurance policy will allow you to leave your children (or the people who will become your childrens' caregivers) north of $400k