Yeah sadly this game was made when the coop gameplay was a rare sight! multiplayer games just started developing at that time... anyway Play the game togheter making a character that suits both of your ideas are kinda viable in the game and make choices together in the conversation lines this is the best you and your wife can do as coop in F1 and F2!
By the way there is other coop games that are especialy good to play together: Deamon souls (sadly PS only) , Dark souls1-2, Krater( this is also a post apocalyptic game but with more morbid humor in it than Fallout has) Ofc this game is not turn based but still fun to play!