On the I-130, you must indicate whether she will seek Consular Processing or Adjustment of Status within the US.....You should not choose both. If you indicate Adjustment of Status, the I-130 would not be forwarded to NVC (if she later decided to do consular processing instead). At that point, in order to move the approved I-130 to NVC, you would file an I-824 ($590), and it would delay the case for a year.
If you indicate Consular Processing on the I-130, she could still apply for Adjustment of Status without delaying the case.
Bottom line: Choosing Consular Processing allows either consular process or Adjustment of Status (under some circumstances). In your situation, you are not 100% sure which route she will take.