Yeah, I'd say your wife is thinking hard.
If she's a hetero cisfemale, she likely married to get a protector, father for her children, to increase her social status, make her family proud, have someone to support her as she starts a family, have someone worship her, someone to spend all his money and free time pleasing her, someone to make her the center of his universe.
If you turn into a female, of course she risks losing most of that.
If you take female hormones, you could lose strength and ability to perform in bed like a male, she could be mocked and rejected by her friends and family, she and her baby could possibly be targeted by dangerous religious fanatics, and she could be seen as a lesbian if she stays with you.
You would be spending money on clothes, jewelry, and surgeries for yourself, instead of on her, your house, and your children.
You would have an independent life, new friends, new interests, instead of slavishly doing whatever she wants on free days.
As for clothing, I don't know any US ciswomen who wear anything but jeans and T-shirts, shoulder-length hair, and little make up if they don't have to go to work or to a party. I remember my sisters and friends grumbling about having to wear hose and heels to church, and then taking it all off, and switching to jeans the instant they returned home.
Look around at ciswomen your age and see what they are actually wearing. You might be surprised.