One last question I have is regarding resigning a your commision before it is up. My wife is concerned that what if we really dislike the commitment and it is very hard on our family. Does anyone know what would happen if I applied and was granted my resignation? Any links or sources to this info.
Once you sign your contract and are commissioned, you are committed to the military and you will not be able to leave just because it's hard on your family.
If you sign up for STRAP for six years of residency,
you will be in the National Guard for 18 years minimum (from time of joining until you can resign your commission).
If you join as a PGY-3 and sign up for STRAP to get HPLRP benefits right away,
you will be in the National Guard for 12 years minimum.
If you join as a PGY-1 without taking any program,
you will be in for the six years in drilling status every month and two weeks every year. With Flexi-Training, you can drill as little as once every 3 months and two weeks every other year.
And keep in mind if you are starting the process now, it will likely be 3-6 months before you are commissioned and the clock starts ticking, so it will be 6 years from that point. If that give you six months post-residency that you are drilling, you are deployable for that time.
Also keep in mind that you may only be in drilling status for 6 years, but your military service obligation is 8 years. The last two years are spent in the IRR (Individual Ready Reserve) in which you do nothing, but could theoretically be called up if we hit WWIII or the like.
This isn't meant to be scary, but once you join,
you will fulfill your contract. There are exceptions, but these exceptions are much worse than actuallly fufilling your contract (e.g.: you and your wife have kids and your wife dies and you can't take care of the kids, you suffer a severe disability or crippling injury, etc.).
There is some variation in how serious each state's National Guard takes itself. In some states, it's very much considered being in the Army; in other states, it's much more lax how they treat themselves (though the good-old-boy, kicking-back-on-the-weekend thing is limited to fewer and fewer states now). But do not expect any laxity on getting out of a contract early, as that goes through Washington and they are not going to be sympathetic or flexible.
Have a long talk with your wife and make sure this decision is right for your family.