re: Who do you use for term life?

What's the logic behind the 15 years of gross income? Specifically, why 15 and why gross income?
I could understand a multiplier of current expenses, but gross income?

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We are 30 and have a 9 month old.

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I'm pretty close to your same situation, and I looked at 20yr term. My goal is to be financially independent in about 25 years, and I expect to be close enough to that goal in 20 years that my family would no longer need my income replaced at that point. You never know what will happen, but my hope/expectation is that 30yr term would be overkill for me.

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I have seen all debts & childrens schooling plus 15yrs of your gross income. That sound about right?

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I'm not an expert, but this seems like a LOT. I looked at a lot of different factors to get an idea of income replacement. I didn't use this as my rule of thumb, but I ended up right at about ~10x gross income. I didn't add current debt or child education to that.

ETA: YMMV on all of this. I just wanted to give a different perspective to think about.