Thanks for all the input. I didn't expect to see 24 responses.
In response to DnvrFox, it was her idea to go in 23 deg weather. I wanted to wait until noontime when the temps hit the 40s. But, she wanted to hurry since we had some XMas shopping to do.
But, I did figure something out here. I need to be patient. I remember a time when I was timid to ride on the roads (I got hit by a car). It took me a while to get over that.
She hasn't been hit by a car, but the fear is still real.
As far as Mike OK's advice, my circumstances are different. Most of my rides are to and from work. She works too. We have different schedules. I don't think she'll want to ride with me to and from work. Good fishing analogy though.
So, I will accomodate to her level for now. When she is ready to venture off the side streets and sidewalks, she'll let me know.
But, there is a local bike path. She'll probably enjoy this, especially since there's a park at the end. Of course, I'll wait until the weather is MUCH nicer to load the panniers for a picnic.