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So, if I give her the registration code that comes with the retail PS3, I will lose access to the PS3 eventually, and only be able to play on the PC, while she can also play on the PC (because I'm Legacy). Right?
Buying on PS3 gives you access to both I believe but PC is only PC.
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You need to have the PS3 version registered on your account otherwise you can't log in on a PS3, which means using the reg code on your account to add PS3 access. Having the client installed after the 30th won't let you log into PS3 anymore if you don't have PS3 version registered to your account you will just be able to use PC only.