Your wife is right.
If you can afford a bike, buy $500k in life insurance and disability insurance too.
Also, visit a prosthetic store (fake arms, fake legs). Over 90% of those who get a prosthesis are motorcycle accident victims.
I currently know of one man who is right now in the hospital, ICU to be exact, on a breathing tube, multiple rib fractures, collapsed lung, in a drug induced coma as he's trying to rip out his breathing tubes. He's expected to be in for 3 months, if he does not die.
Have a good friend who is a very careful pilot, like major airplanes. He decided to get a bike, even went to safety school. Within 7 days of the safety school instructor calling him the best, safest driver...his bike slid on some wet leaves at 35 mph....broken ribs, collapsed lung, head concussions, 8 weeks in a chair.
Had a group of friends who hit 40. Each bought a bike, and decided to "enjoy" life. Eventually, one by one, each had an accident (many caused not by their own fault but by dumb women in an SUV). Eventualy, each got rid of their bike.
If you STILL insist on riding a "donor-mobile", know the risks associated with riding a bike, get insurance so your wife's next husband can live in a comfortable lifestyle, and WEAR A HELMET. States with no helmet laws, such as Florida, are gathering the statistics of increased death & brain injuries caused.
Me, I'll stick with a horse. Much safer (even if Christopher Reeves died). Save a horse, ride a cowboy, y'all.