I have done some research, and based on what I have heard from the "experts" who understand how the code works, there should be no difference as far as curation rewards, voting strength, or interest payments between having two separate accounts or one combined one. Therefore I would recommend you and your lady friend each having your own accounts. It is what my spouse and I do :)
When you have STEEM powered up as Steem Power, you will receive interest payments of additional STEEM to help protect against inflation. If you do not have it powered up, then you do not get any additional STEEM for holding on to it.
Whether it is "well protected" is speculative. I can't answer that because I don't know the future :)
I stopped drinking caffeinated coffee a while back and switched to decaf. I didn't like how I would get a headache anytime I skipped my morning coffee for the day. Now I just drink it because I like the taste :)
The nearest natural thing to coffee (which is natural anyways) is an Apple. The old saying an apple a day keeps the doctor away . . . Maybe some research not that anything being published today is real or scientific or reliable but try and find out the hugely long lists of apples, plus it might give you the chemical start to your day without the morning withdrawal symptoms of headaches : )
Thank you for the advice , more SP 4 u . . .