What a refreshing question on this website.
You are to be admired. May we all be as careful as you describe.
As above, the apushatayid correctly advised, you need to have someone with whom you can discuss these matters with on an ongoing basis. There is no global reply to what you are asking. Every circumstance has to be weighed. A solution for one child will not necessarily apply to another. It also depends where children go to school. etc etc….
Wishing you much Hatzlocho
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