ZEKEDAWG, I'm in a similar boat except this will be my wife's first bike. I too am looking for my first bike. We are not unfamiliar to the riding position/terrain as both of us ride and race downhill moutain bikes which get a lot of their suspension design and actually parts from the dirt bike world (my DH bike fork has Showa seals etc. in it).
What I've considered so far is the CRF150F, CRF230F, TTR125 and XR100 for her. You'll note all 4 strokes since a loud bike would turn her off from the sport as it somewhat did at first with snow mobiles. I started with the CRF230F since it has the electric start option but I had her sit on a CRF150F this past weekend and she thought it was too heavy and didn't want to go any bigger than that, actually thought it may be too big for her to start.
So anyways, what I'm currently thinking is that I pick up a used XR100 (understand that these are small and people outgrow them fast) which she can learn on this year, a lot of people say that this is a great confidence builder beginner bike. I can get one of these for about $1500 used. Then for me I'll probably get a CRF230F, not that much heavier than the CRF150F, that I'll use this year and will end up "hopefully" being my wife's bike next year once she's outgrown the XR100. This way I'm only in the hole $1500 which I'm sure I'll be able to get $1000 back on the XR100 next year so I'll really only be paying $500 for her first season of riding/learning.
Does this sound like a good approach? I've considered the KDX200 for me but again I think the 2 stroke will turn her off from ever moving up to it.