[2021] Multiplayer Gamestage Loot questions

Loot is independent and relies solely upon the person looting the object- So just let her loot anything 'valuable' and focus on looting cabinets and trash yourself if you dont want to find awesome loot in low tier quests. (Edit for clarity: Loot is determined at the time of opening of any given lootable object- So just let her be the one to loot the valuable things like gun safes, while you focus on looting less valuable ones- Even if you loot trash and cabinets at a much higher gamestage, you'll still typically mostly find food, water, and trash items like duct tape and nails.)

Quest tier is also independent per player- Even if you're up to Tier 5 yourself, your wife herself is only at Tier 1 and can only accept tier 1 quests.