ColoRider said:
I'd suggest something like:
"Honey, I made a bone headed move and wrecked my brand new bike, but I'm fine and the bike can be repaired."
::026:: Man up, take responsibility for your actions and admit that you crashed because you screwed up. Then tell her how happy you are that the gear you wore did it's job and protected you, and, (if applicable), the farkles you put on the bike kept it from being worse, or, (if lacking crash items), that you really wished you'd have spent the money for said farkles before crashing and seeing for your self how much $$ they could have saved you.
Then consider if you need to ride a pretty bike, or a functional bike? If the latter, get an estimate from the dealer and talk to your agent. If not, straiten what needs it, replace what you have to, wash the dirt off and go ride.
If the wife is the type that freaks out a bit, you probably can't read the forum from the dog house or hospital, so this thread is pointless. After she calms down, consider Spot, Medjet and/or better gear and the reality that you aren't getting any younger or healing any faster, and share these thoughts with her.