You won't see much of a wife for at least two years from the day you join, and you'll see her sporadically for at least four years after that. Being married as you join will put you very much in the minority, and life will be very much geared towards guys who are relatively unattached. In many ways it's far tougher for wives than for the guys - you will be very busy 24/7 - they won't be, and will resent the fun you have without them.
If you don't know what's involved I wonder how you got this far, but it's right to ask now. You can't really compare it to life as a low-hours FO in the RHS. Most of the RN's aircraft are now single pilot, for a start.
I'd say bank the cash, and go Dark Blue.