Well, I've been riding for well over 20 years and my only accident where I was hurt was on the track. Demolished 3" of shin bone and no walking or riding for almost ten months.
From what I know of my 20+ years of riding and friends who ride street and trackdays, most of my friends have been hurt riding the track, most of the ones killed have been on the street.
Either one has it's dangers, you just need to decide if you want to accept them or not. Your SO seems to have her own ideas that you are not likely to change. Seems like you might need to be choosing between SO or riding, not street or track.