With some external guidance, I have come to this perspective:
Any license that is not already in wide use is unhelpful to us. Prefer a license that has been subject to litigation so there exists judicial interpretation of part of it.
Almost all licenses meeting this criteria that are freely available are inappropriate. Most either favor the non-commercial user by restricting some commercial flexibility or push commercial rights by pulling ease of relationships with non-commercial users.
The most satisfactory approach uses creative commons' Attribution-NonCommercaial 4.0 International License (CC BY-NC 4.0) and the creative commons' license's notice mechanism to further clarify what "non-commercial" means. And to use "With the exception of" to ameliorate potential conflict with OpenSource licensed code. And to make explicit that other uses require prior written agreement, at the place where the license is marked.
There is sound reason here. And, it is contrary to Creative Commons' recommendation:
Creative Commons does not recommend its licenses [for] computer software ...
Instead, we strongly encourage you to use one of the very good software licenses .. available. We recommend considering licenses made available by the Free Software Foundation or listed as “open source” by the Open Source Initiative.
.. CC licenses do not contain specific terms about the distribution of source code which is often important to ensuring the free reuse and modifiability of software. Many software licenses also address patent rights ... Additionally, our licenses are currently not compatible with the major software licenses, so it would be difficult to integrate CC-licensed work with other free software.
Why does this make sense?
The reasons that drive the recommendation to avoid using CC licenses with software are all based upon the presumption of furthering unfettered use of the software -- avoiding impediments to its utilization. For example, "not addressing patent rights" means that there is no assignment of patent rights. In the situation at hand, while that is desired for non-commercial users, it is not the central intent. Given no better alternatives, this one becomes the preferred choice.
Note
It would be good to obviate potential conflict in "integrating with other free software" for non-commercial use. The difficulty is that kind of dual-use license would open up a gray area for another party using the work of a non-commercial user.