Recoil is no major issue. She has been using my 12 gauge O/U the last few years, and can handle it. Only thing is that she gets a headache after a box or so of shooting. A bit sore too, but that is to be expected. She has mentioned wanting a "cheap 20ga", and I imagine that if I sprung for a high dollar one, the hard feelings would outweigh the excitement.
I had also looked at one of those Russian made Remington o/u's. She does like o/u's, but when I almost got her a Mossberg Silver Reserve a couple months back she said that she didn't want to spend that much money ($500) on one. So we are looking at probably no more than $400. At least not much over it. Thanks for the input, folks.