I'm looking at the 10 of Pents from the RWS as I write. It's a multi-generational card. The couple in the middle seem to be looking at each other--or at least the woman is looking at the man. The man holds a staff. The card certainly does indicate family--3 generations of family. Like the 10 of Cups, I do see this as a very positive card; unlike the 10 of cups, this card does not show the nuclear family--the romantic family--gazing at the rainbow as fulfillment. Rather, in thisc ard, there is wealth and stability (family crest on the wall), happiness in terms of family cohesion, loyalty (the dogs), and wisdom--the old man and the ten pentsacles in their arrangement of the Tree of Life. But this is not fiery love or excitement, nor getting things together and exploring, nor the imagination of the 10 of Cups. It's happy because it's settled, certain, reliable. Dull, perhaps, but dullness has its rewards, and the couple does seem to be looking at each other. Note the archway: literally an entrance or gate, and also reminiscent of the rainbow. And notice that everybody is either in the archway or in the foreground side of it. They haven't passed through yet, but there is a passage, because it is a 10. The passage can be a new beginning (but not necessarily indicating wreckage of the situation), the new begining can be a transformation into the next step. The new beginning can also be a loss of the present. There is a tower in the background after all.
As far as your specifc question, hmmmm, maybe it says that you are thinking too far ahead of yourselves, or maybe this is what you want, not necessarily what exists.
Nuncle