Nice one...The good thing is you've thought about it and, better still, you've implemented a plan which I think is more than some others have done. I like your idea of key words not actual names.
Do you think your wife will be comfortable enough to access the assets if the situation requires it?
She may still not feel comfortable, but I know she will be able to get in touch with good friends who may help her do so in front of her.
That's the way...Whatever works.