I would not disagree with getting the CIP for yourself from your wife's referral. That's a good way to restart the stash. If you're liking UR's then I can't help but see that you're coming up to churning the CSR you have there. Once it's been 24 months from when you earned the bonus on the CSR, you could PC it to a Freedom and then reapply for it or the CSP to get another bonus. Even better if you can make the 8k in spend within 3 months, double dip it and get both
If you want to have 2 CSR's, you could have your wife double dip it instead. Either way you do it, make sure you use your own referral link to get an extra 10k for it. If you go the CIP/CSR/CSP route for 13k in MSR's you'll net 220k+ in UR points. (sign up bonus/referral points/min spend)
If that sounds interesting and doable, let us know. There's good ways to space this out so it's doable from a spend and risk perspective. You don't want to hit Chase too hard or it can all blow up
So many combinations and timings available to work it into a long term plan. What other parts of the 2020 trip may need to be covered? Sometimes brand specific cards can be helpful not only for points but status and other perks to pair with flexible use points like UR. (and help you space out Chase applications)