Sounds like you have thought this over rather well, even in your distressful feelings. It does sound like sticking with what you have is the right choice for now... and since you only have a short time for increases, the "what if's" of the spouse are less likely. She sounds a bit traumatized by your illness as well, and I hope you are both in therapy together at least once in a while.

Being mentally unwell in the USA (IDK about other countries) is often the choice between bad and worse care. Do your best and pray!