This comment is rather interesting to me. If I understand what you are saying here is that unless your husband is willing to undergo cosmetic surgery the long-term probability of you two staying together goes down?
>worth losing a spouse and the father of your children over.
Again, this is uncharitable exaggeration/rewording. Doing this to people perpetuates the unwillingness of many to speak honestly even at times when it would be ultimately beneficial.
Is it being uncharitable to assume that she thinks that her marriage will be negatively affected by her husband going bald? She specifically states she's not attracted to bald men, and says she'd be willing to spend money they don't currently have for him to get a hair transplant in order to save their marriage "in the long run".