My 2 cents, don't discount that if your wife were to pass away, you'd necessarily just seamlessly continue on as the breadwinner. I only had 200k on my wife, and she died unexpectedly at 46 years old, leaving me with 11 and 16 year old daughters.
That 200k allowed me to payoff the house, and with survivor benefits from SS, chuck working for a few years. That was priceless, as getting my girls through that timeframe would have been near impossible had I been trying to work full time.
I only wished I'd had a few hundred grand more! It's cheap in the grand scheme of things.