Thanks for the comments everyone. The sad thing about this is she had just changed out of her 3/4 helmet and took her jacket off. I have her pretty convinced on the jacket thing, she wears it 90% of the time. Just unfortunate that she had taken it off just prior to this.
I'm going to wait a little bit about pushing her towards a FF. She has a modular now, a Scorpion, and hates it. A couple months ago I was trying to get her into my GMax just to try the fit, it is a lot more roomy in front of your chin and is lighter, but she wouldn't put it on. I figured the 3/4 helmet was a decent compromise. If she had it on, she wouldn't have the shiner she has not and I think she'll realize that without much prodding.
She will definitely be back on a bike. My son asked her last night and she said, hey, I can fall down the stairs, that doesn't mean I won't use stairs anymore.
Good to hear she is OK, and not letting a few bumps and bruises keep her from riding again. Also good that you had tip over protection on your bike. That definitely kept a bad day from being worse.
About the Scorpion modular she has, is it the EXO-900? I'm curious what she hates about it. If it fits too tight in spots, you can sand / trim the Styrofoam a little at the pressure points to make it fit better. I had to do this with one of mine. This is true with most helmets with removable liners.
Unfortunately, if she's not fully sold on ATGATT, then all you can do is overcome the objections to wearing the gear (more comfortable, more breathable in hot weather, etc.). Even a modular helmet with the chin bar up is probably less safe than a 3/4 helmet, since there's extra helmet sticking up (the chin bar) to catch on things in a crash, and strain the neck more.
As for jackets, I find my mesh coat (w/armor) is more comfortable in hot weather then without it. Makes that an easy decision. With my mesh pants, I can wear shorts under them, and again, no heat issues.