Two up - The RGU Ultra wins hands down. Full touring suspension and the intercom are great.
Plan B - keep what you have and start a family. Your touring days are going away if you have a baby, along with your excess income and your desire to have both parents on one motorcycle. Major corporations put executives on different flights for the same reasons - and they don't have to be concerned with cows, deer, and old ladies who seem to aim for motorcycles....
Now if you're really planning on riding solo after the babies start coming, the RG Custom is the ticket - if you can afford the bike after she divorces you! Seriously, your priorities/lifestyle/wife's attitude are going to change when you have children. It's one of the most stressful events in life - and it lasts 18+ years. I'd hold off on a new bike until you have a chance to get things settled down on the homefront. It'd be a bummer having a year-old bike and not riding it.