re: DVMs of the OB...career questions

Production-based pay always appealed more to me when I was working in practices owned by someone else. She can demand a bit more of a percentage with the emergency work, in my experience. Read the fine print on those disability policies and stay away from those that base benefits upon other income or benefits.
Great profession with many benefits that aren't all financial. I've been in practice for well over 30 years and it never feels like a job. She will be fine--there's plenty of work out there.