Do you all still think whole life insurance is worth it now, or is term + investing the difference really the better route?

While both is to ensure that in case you pass early, your family have money to carry on without you.

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Whole Life's added benefit is that, you pay for 10 to 20 years and cover whole life. It will allow you to minimally pass down something when you are no longer around in your old age (you don't want to still be paying premium in your 80s). Don't think of the money/savings that you can get back next time.

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Term, is cheap, but have to pay for the entire duration of the plan. It is used if you want to cover yourself during your working (income earning) years, example to age 65 or 70, that's it.

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As for investing the rest, it all depends on your investment appitite, are you DIY yourself, invest through a company etc.

No idea