A personal contract purchase (PCP) may be an option but best in your situation is, I think, as it is for mine, that in the event of me needing to go into care, or die, my wife isn’t left stranded, so we’ll always own a car in her name. This is the case also because as the spouse you can only use the Motability car if it’s for the benefit of the Motability customer (so no personal use). I think that that is crazy as it can mean, as it has for us, that we need to have two cars.
Regarding getting your wife to hospital I use a stretcher with hospital transport (non emergency ambulance), I’m mainly bedbound.
Recent cars: Hyundai Kona Ultimate EV; Volkswagen Caddy Maxi wheelchair accessible; Skoda Enyaq iV SportLine; Vauxhall Mokka-E; Kia Soul EV, Hyundai Kona (again)