Kim it's time to pull out the ala-carte menu as the pricing goes.
If you feel the photography is going to extensive measures after she and you discussed the composition, it will cost more. She will need to understand this. I know some of the wealthier people can be problematic, but they are usually speaking from someone else's experience, so maybe just have a talk with her about her concerns and that you are sensing she is having hesitations. This could lead to you being up front about your process as a painter, yet explaining you still are a business woman.
I agree with all the wisdom above and if there are parts of herself she doesn't like, paint like Leffel and put it in the shadows.
About the supports, you didn't mention the size. But in my on going, current portrait I have learned to never use a panel at the larger size. Like Marvin said, stretched linen was designed for larger pieces and I know Bill Whitaker uses panels tons, but not on large pieces. Again she might be speaking from someone else's experiences, and the feel of a stretched linen is a bit more exciting than a panel.
In my limited experience, I only hope you got the deposit money before starting. And if the price is right, and connections made - practice your politics!
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