Am currently looking at the options myself. Retiring with 20+ in the USN and when I attended TAP was told in my case the kid only SBP was the best way to go. They're school age and since my wife works (with a retirement plan in place) and is older than me, the regular SBP was not a smart option. YMMV

Frankly, I don't like the part where I have to get her to sign up and now get it notarized but will play their game.