"Plus there is this idea that my wife would say this is a huge effort on her part and shows she is working on things."
Probably true. Her making the offer shows her effort. You being appreciative and considering the offer shows your effort. I think that's a little progress regardless of whether or not you take her up on the offer.
You could say thanks, let me think about it because I want to know it's best for us, then see if she offers again later on to gauge her interest in it......
