With a spinnaker fitted (and hoisted) the weight differences between crews becomes even less important. The onus is then more and more shifted towards handling skills.
Galvaston Texas ?
There should be a couple of F16 in that state. I think two of them are in the neighbourhood of Houston. Contacting these however may be difficult as I don't have their contact details. Maybe the US F16 class organisation has them.
I think all 3 would do fine also for a cruise with the wife on board.
Indeed, no problem at all. If this is off interest then I can assure you that just the mainsail + spinnaker is enough to have good fun this way. The jib package is nice but not really necessary unless you two start racing together. May save you some bucks.
Wouter