Aside from a scare, my wife is ok, thank you Dave. Now that you mention it I am surprised as wel.Ouch. Linen tends to be tough too. So hopefully aside from shock, she is ok. Lucky you have access to lots of skirt guard pics and ideas from the past here. Something that I am surprised isn’t an option more often seen these days with more families going car free.
I was thinking about the wires ropes that are 'hooked' between the fenders and a bracket near the rear shaft.
Like this Victor 1894 (link) ladies bike