Motorcycle and Scooter appreciation

You will need to research ‘low cost’. Maybe additional training - others here can advise what’s available local to you.
I will say, your wife is right to be concerned but there are a few things that you can to to mitigate the risk.
I’m sure everyone here will have horror stories about blind car drivers - in town or outside of it. It can be scarey.
Saying that, I’m pondering a purchase (pipe dream?) and my wife is fine with it. I think she knows I am worth more dead than alive though!!

Honestly, you're wife is right to be concerned. Instantly die? No. But.... Be concerned. Reasonable.

930 pages and 23,235 posts from people who have nearly - but not yet - died.

Airbags, show her the wonders of motorcycle airbags. Not the panacea to stop death but it’s part of a conversation you can have with her about safety gear and how far it has come in the last few years. I use a basic helite corded bag and it’s just part of my kit now that I wouldn’t ride further than the shops without putting it on.

As for crashes, had far more on the cycle than the motorbike and in town you’re doing very similar speeds but one is in thin polyester with maybe a polystyrene hat, the other is Kevlar jeans, armour inserts, an airbag and real helmet.

Out of town crashes are fewer but faster when they happen, looking far up the road, anticipation of others and your own risk taking come into play a lot for these. Also you’re not going to get the scary close passes from impatient drivers when you have a motorbike.

Himalayan would be great. It's what I am currently looking at getting.

You only live once. Just buy it, she won't divorce you over it will she?

Get her to do the CBT as well?