We really still have to think about a shower on the ground floor. Standing in line before the bathroom in the morning can possibly be annoying, yes.
I would advise from personal experience, I would also implement it in the basement, even if in a simple/inexpensive way.. A lot really changes with growing older (also your own) children and their lifestyle. Sometimes children don’t get along that well, have visitors, one is sick, wants distance, another urgently needs to leave, etc. It simply also offers more privacy and thus brings peace into the house. There are two of us and even we then have 2 bathrooms, one for her and one for him (without a bathtub); not lived rigidly but depending on the daily routine it is comfortable. You yourself also change and suddenly you prefer to sleep in the guest room because someone snores, the other often goes to bed 2 hours later, etc. All things you cannot predict now but you can react to later if you have considered it. We also used to have a family bathroom and a shower bath in the basement. At the first renovation we changed that and made two bathrooms out of the family bathroom, the smaller part became an en suite bathroom, i.e. shower/WC with access from the bedroom. You have an office in the cellar, here too I would at least foresee it if possible, because the use of this room can change in life. The location would be possible since they are one above the other. At that time we were also 30 years old and had 2 children, but we thought rather limited about the future, which is why we later made quite a few alterations; always more difficult with rooms involving water.