Another problem with have most of the colleges as reaches is that, as much as they try not to care, rejection after rejection can be disheartening. Aside from the unhappiness, the feeling that she is attending her safety because it was a last resort can also affect how she feels about the college.
Of course, having a choice, as others have correctly ponted out, is extremely important.
Targets and likelies can also be colleges that she would require merit funding to attend. Even if she is accepted but does not get merit, “I was accepted to other colleges, but I chose my safety because it was far cheaper” feels a lot better than “I’m attending this college because nobody else wanted me”.
Also, if your husband’s college has non-binding EA, she should do that. Having a college acceptance, even a safety, makes the rest of the college adissions process a lot less stressful.