Have you figured out an executor in the very unlikely event that you both die?
And some annoying questions- do you have life insurance and disability insurance? Unless either of you is in a very risky profession-- or jump out of planes on the weekend- you are far more likely to become disabled than you are to die.
I would focus on the basic building blocks of a sound financial and estate plan- life insurance, disability insurance, a will, an executor who is both financially savvy and very well organized, a guardian if your D is still a minor.
A trust sounds unnecessarily complicated in your situation (and adds fees to what is a pretty simple estate plan for now) and I’m not sure what the upside is.
It is worth an hour of a paid fee to a lawyer in your own state IMHO. Just a reality check if the advice you are getting is from someone who handles estates in a different state. Even small stuff can trip you up. (not you- you’ll be gone… but your heirs). Ask me how I know…