... I wouldn't mess around with this kind of stuff and you are starting to (or already do) have any kind of assets you want protected, ...
Good advice from the advice giver!
Most estate planning attorneys will try to sell you a trust. As pointed out, unless you have/expect assets exceeding the limits of Federal Tax exclusion or certain complicated personal issues and etc, a trust could in fact be a heavy negative for heirs to deal with. A will in an absolute must to keep the State out of your estate, no pun intended, a Living Will is a very good idea and benificiary designation critical to your intentions. What I mean is that supposed in your will, and perhaps in other legal documents such as a divorce decree, you/court directs that proceeds from your life insurance will go to your current wife (for example). Well if you forgot to change your benificiary designation on your life insurance and it still specifies your fomer wife, that is who will receive the benefits.
Your JAG Corps is there to help you. Highly recommend a visit.