Well, I'm a 35 year old woman and I won't ride my bike without a cell phone, even if I am riding with a group. It's always nice to know that I need to call for help (I can't ride back to the start, my tire is unfixable, etc.), that I can do that without flagging down a stranger for help.
Otherwise, she sounds good to go!
"Life is not a journey to the grave with the intention of arriving safely in a pretty and well preserved body, but rather, to skid in broadside thoroughly used-up, totally worn out, and loudly proclaiming: WOW WHAT A RIDE!!!!"