In a similar position last fall. Mortgage for just under $50k, at about 6%. Similar tax bracket. Had enough money to pay off out of taxable investments, and still leave an acceptable emergency fund.
Due to health problems resulting in me working half-time money was tighter than years past. Looked at refi. Bank wanted to charge to much in fee's to make it worthwhile. We paid it off. Ultimately not having the debt hanging over our heads made the decision easy for us. Haven't regretted it, and am putting the monthly mortgage amount into savings.
We looked at it as making a guaranteed 6% on our money. Not great, but no risk.
You can't enlighten the unconscious.
But you can hit'em upside the head a few times to make sure they are really out...