Tax situation - married with no kids and $100k salary

Reducing your taxable income but increasing the contribution to your Simple IRA sounds like the way to go. This should not be in lieu of a Roth however. Do both.

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Problem deduction wise is we have no kids and a small mortgage.

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That's a better overall problem to have. Kids are far more expensive than any deduction offsets. Now - I will say that having children provides innumerable non-pecuniary returns, but that's a different discussion.

I must assume you all are from mid-20s to early 30s - so I think that going traditional instead of Roth is short sighted. Getting your Roth balance as high as you can will pay rewards way down the line.

As far as your withholding - I like to owe a little - up to $1000, because that's a straight win for me. You shouldn't be concerned about tax liability of under $1,000 - that's $80 a month. If it gets over that, yeah, you're going to want to adjust your withholding.

But, seeking deductions - outside of correctly deducting what you already spend, is generally going to be a losing proposition - you're going to spend money you didn't budget/intend to get some of it back?

To quote the President, "Not smart."

We are early 30's. Just wanting to make sure I am looking at the whole picture correctly. Our pay will keep going up so I am just trying to plan accordingly.

I currently put the max my employer matches in my Traditional IRA which doesn't perform quite as well as my ROTH. Not maxing out the ROTH yearly yet.
My wife did open a 401k a few years back but we don't contribute monthly to it. I may need to start.

Both of our medical insurance premiums are very reasonable so I don't see the need for an HSA. Maybe I am wrong on that?

Well, you can defer up to $53,750 of income ($6,750 HSA + $5,500 IRA + $5,500 IRA + $18,000 401k + $18,000 401k). It depends on your overall goals, tolerances, lifestyle, and if you believe in tax diversification (which I do).

The HSA is a savings vehicle to cover future costs instead of spending the same amount on sunk premiums. It can only be opened if you have a qualifying high deductible health care plan. It's tax advantaged on the front-end and on the back-end if used for qualifying medical expenses. If you choose not to use it for medical expenses, then it, in essence, becomes a way to boost IRA contributions by ~60.00%.