re: Who do you use for term life?

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What's the logic behind the 15 years of gross income?

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Because the point of life insurance is to replace the deceased's person's income. Makes a lot of sense as a starting point for me.

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why gross income?

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I get that "net" income might be a better metric, as life insurance won't be taxed (although the proceeds from it will be, depending on investment vehicle).

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I could understand a multiplier of current expenses

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Multiplier of current expenses makes less sense than either gross or net income to me.

I think the compromise is probably net income.