OK. Worst case (from a spouse perspective) is that some day she will want to fully transition complete with HRT and GRS. This is rare but I have seen it happen. I’m sure if you ask your spouse she will say that is not what she wants and I’m sure that will be an honest answer right now. The question is will it be in the future and there is no way to answer that. “so I would like to trust that he knows himself.” I think you can but he knows what he wants now and that can change.
As to the privacy thing she wants now,I can understand that. I don’t have a wife but I do share my home with another woman. While I dress fem almost all the time that I’m home,I still prefer to be alone sometimes when I go “all out”. That’s a kind of a private role playing time for me that I only feel comfortable doing when I have the house completely to myself.