Master's program advice
I think that it is partially depends on an institution that you plan to or, eventually, will be studying toward the Ph.D. degree. Note my emphasis on "partially", perhaps, I could have used "somewhat" or, even, "potentially". The implies that it might have some impact or it might not. If you don't plan to attend a Ph.D. program at a top university, then I would think that it will have a minimal effect in terms of admission. However, from a perspective of gaining experience in semi-dissertation-level-writing, the thesis option could be useful to you. However, at the end of the day, IMHO family should be a priority and, thus, I would suggest choosing the route that puts less strain on your family. It is possible to graduate in a Ph.D. program with a dissertation after previously graduating in a 100% online Master's program - I am speaking here from my own personal experience. It is somewhat more difficult, but doable. Again, family should be a priority in my book. Good luck!