Thank you for your assistance and sharing your super-knowledges for my visa for the last a few years! This time, I have questions regarding my wife's application for ILR. Her current visa expires in April 2016.
Our current situation:
My self: holding ILR
My wife: a Resident Permit (as PBS Dependant leave to remain)
Her situation who has South Korean passport:
1) First entry into the UK was August 2005 as a student with student visa for her university
2) Her student visa got extended twice more which then she was granted Tier 1 post study work from February 2010, valid till February 2012
3) We got married in November 2011 and with that, she went back to her country to get entry clearance as Tier 1 (general) Partner of me, who had Tier 1 visa as part of old Highly Skilled Migrant Program (HSMP) - her visa was valid from February 2012 till April 2013
4) She then was granted Resident Permit (as PBS Dependant leave to remain) from Apr 2013 till Apr 2016. Just to let you know, I was granted ILR at the same time, which is April 2013 and her permit was granted based on that (we went to home office together for face-to-face interview)
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I've got an answer from one of your gurus saying she can be eligible for either SET(O) or SET(LR).
But I am questioning why it's not SET(M) but SET(O)? It's not for myself but for my wife?
Can someone please review this again and clarify which form (route) she needs?
And I also have a a couple more questions regarding her IRL application below:
1. which route (SET(O or M) or SET(LR)) will be safer/easier if she's eligible for both
2. how many months or years of financial proof do we need? (we both work full time)
Please gurus, help us finding the best way to apply for her ILR

Many thanks in advance!
Best,