Sounds like your kids are not in car seats like the OP.
If you have kids in car seats and will continue to be in car seats for a few years, then captains chairs may not make sense - especially if you need to access the 3rd row with any regularity. For us, we are a family of 4 using the 8 seater Carnival with 2 kids in car seats. When grandma comes to visit, an adult can sit between the 2 car seats in the 2nd row without having to crawl to the 3rd row. It just seems more convenient than captains chairs for the foreseeable future.
We have one in a car seat, one in a booster, and the other is out of a booster now. I agree that being in a car seat (non booster) can make the captain's chairs less enticing but depending on how long you keep the vehicle it could pay off in the end.