I would keep it light, keep it brief, and keep it age appropriate.
No need to burden young children with knowledge they can't understand.
If, as they reach their teen years, they want more information, you can give them more then.
Meanwhile, look after yourself and don't worry about the future. ?
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. I think your DH may well be right so try to put this to one side and until the time comes when you need to address it.