i think stafford would be the last city down 95S thats considered NOVA.
Hi, I was actually raised in Stafford... Old town Fredericksburg is a good area to explore with or without DC, they also have a nice library in Old Town. FWIW I used to drive north all the time when I still lived in Stafford. If you are looking for a nice place to eat for a special occasion, Claibornes is supposed to be really good. There are other places... like Colonial Beach, etc.
I live in Loudoun now, but if you have any questions, feel free to ask me!