The NJ Turnpike has some construction on it for like 25miles. The extra hour the new route adds may even out or be shorter in the long run. Plus I would avoid the DC beltway at 8-9 am rush hour. At least that's what I'm thinking.
Ahh. But going on the route you proposed adds, by my calculations using Google Maps, at least 100 miles (I calculated NYC to Orlando). Plus you'd go on some roads that, while scenic, are also much curvier, etc. than I-95, I-75, etc. due to having to traverse the Appalachian ridge. I think you'd be more likely to save time by finding an alternate road in NJ that gets you around that Turnpike construction, and get on I-95 south of that.
I used to live in DC. In my opinion, the worst traffic during rush hour in DC is on I-395. I-495 really isn't that bad, especially if you can delay getting on it by 30 minutes or so. Maybe a breakfast break in MD would be beneficial? I have heard there's some construction going on near Tyson's Corner (on the west side of the beltway), so you might take the east side to avoid that. Wilson Bridge sucks, always has and always will, but it's not too terrible after rush hour. By the time you get on 95 south of DC, any rush hour traffic should be done, so the trip from there to Richmond shouldn't be all that bad.
None of these things, in my opinion, are worth going so far inland to get away from. And your route requires going through Charlotte, which probably has its own traffic to deal with these days. 6 of one, half a dozen the other, IMO.
I-75 has lots of construction on it, seemingly all the time, as it's finally beginning to show age like I-95. But unless the traffic is cut down to 1 lane, I don't find it all that bad to deal with.