I guess it boils down to how much you trust your wife. I have my car in my wife's name, she has a license but doesn't really drive except for the odd trip to visit a friend in the next village, we live in Chiang Mai but not in town so she will never drive in town. I trust her and she is 10 years younger so she should outlive me and then won't need to change it to her name. Also as mentioned before the ticket will come in her name, it happened once for a red light violation, but I paid it.