I personally know that money is tight, but here is my take on it. She seems like an amazing woman and wants to truly give you this gift and I personally think you should accept. ONLY for the fact of A) it will make her happy to do it and B) its something you will have forever and cherish everytime you use it. You will think of her everytime your out on the water in that yak. If you buy a different one eventually you'll buy the one you want and the one she bought you will sit in the garage which is not what she'd want. Thats just my take on it. Sorry you have to go through this brother. we have a close family friend going through the same thing right now.
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