I didn't want to bike to work for a long time either. I don't wear a suit, but I wear a polo shirt in an office. I just steal baby wipes from my kids, and use those since I don't have a place to shower. Surprisingly, this works very well. (at least I think I don't stink) I guess I should also say that I wear bike shorts and a bike jersey while keeping my clothes in panniers, not pretty but effective. There are pannier that are like garment bags that can hold an entire suit. Another possibility, there is someone I work with, and they drive their car on Monday, and bring everything they will need for the week, and take home last weeks stuff, and then they ride the other 4 days of the week.
Tell you wife when she starts riding a bike, she can get the Gucci purse.
I can't say that I see a lot of beauty in Phoenix, it is pretty much ugly, and a desert, so you've got one on me there.
Of course, we average 5 days a year that get below freezing, so that is a positive.
One more word on paying myself. I add about $30 a week to my bike fund. What this does when it is time to buy something, say a headlight, (I ride early in the morning, I start on the outskirts of town, so I am on the VERY thin shoulder, when there is one, so I need to be visible) so rather than settle on a so-so light, the money is already there, so I spend the money on a nice $230 NiteRider Digital Evolution, and I feel safer, without the worry of, "How am I going to pay for this thing."
You are heading in the right direction, keep it up!