theory explained to me was get 30 year after this term as opposed to getting 30 yr now
More importantly, keep in mind that you have a short term solution, and know that you need to periodically review it, especially when things change (income increase, family grows, buy a house, move, etc.).
10 year term doesn't mean you need to keep it for 10 years, it's just usually the cheapest term out there. If you think that you might convert some of it down the road, 15 year term might make sense, where some (or all of it) might be converted (possibly piecemeal) over the next 15 years, while other term is bought to keep with changing situation.