Trust me, if she's 100 miles away from anyone she knows, she'll put that spare on without question. She might have to make a phone call or two to figure out where the tools/tire are, but she'll get it on and be on her way.
But like most women, she doesn't get excited about getting her hands dirty. So if the husband or FIL is a phone call away to do it for her, that's the route she's going to take, and I don't blame her for that. I just wish she'd called me first, or been more assertive to her dad to wait a few minutes.