Number for refit? There is no answer without knowing the boat, her equipment and condition, and your expectations (as well as your wife's fabric choices
You mention not needing running rigging - hardly an issue as it is not expensive to change if necessary. But standing rigging should be changed on an older boat - at least before going offshore. And it is more expensive than running rigging.
As Chris posted above, the prices are high if the work is hired out. Hourly rates of upto $100 and the fact that all jobs are "custom", in other words different from the last and the next. But there are no jobs on a boat with the exception of welding, engine work, and commercial swaging that can not be learned quite easily if you are at all handy with tools and can read. The money you save even after buying the proper tools is substantial. And you know your boat better and are better equipped to repair/replace items in out of the way places where the language is a barrier as well as not knowing which tradesman to trust.
If one were to buy a new boat of the size you are looking for I think you could easily spend 20k for extra equipment.