Option 1: File everything. She stays in the US till she gets AP or GC whichever comes first. She can travel thereafter.

Option 2: File i130 only and she will go through visa interview in Nepal.

If you file i130/i485 both and she leaves the US without AP, her i485 will be denied and then she has to go through visa interview in Nepal. For that you have to file i824 ($465) with up to a year of processing time after i130 is approved so uscis forwards your case to NVC. In short, you will be wasting i485 and i824 ($1,600) and be adding almost 1 year of additional processing time if she leaves US without AP.