Hey man, you need to slow down your thoughts and be more open minded to the suggestions given here. Your impatience and impulse to repair the fue scars, without considering the most proper option, is going to lead you down a path of even deeper regret and misery if you're not careful. Stay very far away from tattoo ink - this will ruin your life if you use tattoo ink to camouflage scarring. Also, do not let anyone other than a professional perform the smp treatment. Your wife is not trained or experienced enough to even use the smp needle/equipment. There is technique involved in how deep the ink is supposed to go (depth control, also proper ink mixing before starting), and she could potentially make things way worse. Not to mention the technique involved in proper dot placement for effective blending and natural buzzed hair appearance. i also guarantee you the diy smp kit you are looking at includes a low-quality grade smp ink. Low quality ink can result in different negative results. I also can assure you the diy kit is using an improper needle gauge size. A good smp clinic/studio will be using top of the line industry standard smp ink and proper needles for optimal results.
Also please spend a bit more time on research and call around/look for local smp studios and ask questions. From what you've stated about smp post care, seems like you got inaccurate info. Smp can last 2 to 3 years if done correctly and by a good artist/studio - and even then, its not like it totally disappears, you would just need a touch up. Touch ups should typically range roughly around 7-800 dollars give or take, depending on the artist or studio. So definitely not as much as you've been led to believe. Youtube is also your friend for smp scar repair examples and info. Again, slow down and if youre struggling with funds, scar repair should cost only about 2k - ball park estimate. It is worth waiting a bit to save up your money or possibly even request funding help from family/relatives if your in that much need of assistance. A good smp artist can easily camouflage the scars - easily.
FYI - I confidently say all this because i have/had a GIANT and WIDE FUT scar (looked worse than your fue scarring) that was repaired by smp, and im extremely content with how it turned out. I know how you feel. Be careful and good luck.