I am not going to act as if I have been hogging for years because I haven't, but been on alot of scooters and such. If it was me and my dollar I would look at a couple used honda 450 foreman S's and call it a day. To me the 2002 for the money are the ticket(selectable 4x4).
2 scooters $7000
26"mud grips $900
racks $200-400 providing you can build em
Your wife might also like feeling more independent and in control. Know mine does