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She may not even know the reason herself. She may just know she wants one.
It sounds like she knows that she will be doing all the work herself. And that you would primarily be there for emotional support. If she is clear headed enough to know everything involved, and she wants to do it anyway, then, what is your objection? Think of it as a gift to her.
Of course, you know your situation better than I do. If there is no money, no space in the house, no free time from her, etc. then you clearly need to make a logical decision as well as an emotional one.
How much are you talking with her about it?
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