Terry will ship bikes to your local shop for test rides, no obligation.

Who is going to maintain this bike? If you will be dependent upon your LBS for fitting and service it makes more sense to cultivate a good working relationship with that LBS, and getting them to bring in bikes for your wife to try.

On the other hand, you can make a lengthy career out of buying the perfect bike. Just go out and buy something that is a good fit, and save all the "perfect features" for the next bike. Until she gets a few hundred (thousand?) miles in she isn't going to know what's good and what isn't.

Like the commercial says, "just do it."