It can happen
What an experience! I am happy to know that you and your family came through, though I am very sorry to hear about your wife''s injury.
I am an enormous activists about wives/partners knowing how to handle their boat. I have been dismayed with the number of women I''ve met cruising who don''t seem to think it''s important!!!!!
FYI, I wrote an article on this topic and included a checklist of things a first mate should know for the Sail Miami site. It''s by no means definitive, but serves as a good basis for a couple to use to make sure she knows what she needs to in order to deal with emergencies.
It''s at http://sailmiami.com/SM_Articles/Take_Her_Sailing/make_or_break.htm