Would you leave your car parked at the police station because someone might steal it out of the driveway? Of course not. The notion that centralized storage is better is wrong (as they say) on so many levels.
I have had firearms all my adult life and was raised in a home where my father had guns. As the feds changed the laws for storage, I changed my storage practises. The legal premise is to prevent unauthorized people from accessing firearms. It goes then that the feds expect individual responsibility of gun owners. Leaving valuable possessions in a remote site, that are attractive to criminals, and for which owners have serious obligations for supervision, goes against all those principles. If your family has a history of mental illness or suicide by firearms, those are other sensitivities to face up to.
If you follow the simple mathematics of separating ammunition and guns, and meet legal requirements for locking the appropriate parts, then your wife can be assured you have a clear understanding of your legal obligations.