Definitely B and B. First of all, that first scenario sounds very on brand... she infamously can't stop herself from making inadvisable bets, especially when they involve her clothes coming off. As for how she feels ten years later, I think those feelings would match exactly what they were when it all happened.

The only thing that could make the situation better is if the photo featured her on her knees, sucking their cocks.

I know my wife well enough to know her answer would be C/C.

I remember one night back in our early marriage around 1970, we were in a pub in the next village to ours, I was playing darts and my wife was sitting at the bar chatting to three or four guys, I finished the game and went to the bar to get another drink and her one if she wanted one , she looks at me with a big grin on her face and said these guys have offered me ten pounds each to take my top off, she was wearing a backless top so had no bra on and her 38b tits were moving nicely inside it, I asked her why she was still wearing her top and she said it's not enough money to do it, how much have have they offered and how much do you want, she replied three of them were offering £10 each and it would take at least double that , she was expecting me to say hard luck to the guys and she could save face and keep her top on, I thought for a moment then said to the guys put your money on the bar and I will match it plus another 10 within seconds £30 was on the bar , I had been paid that day so I opened my wallet and put another £40 on top of it the look of horror on her face was brilliant to see, she got off her stool and said tough luck but it ain't gonna happen, and walked of to the toilet, she came back 5 minutes later a bit red in the face and sat back on her stool, nothing else was said, i have often wondered if the red face was embarrassment or her being turned on by the thought of getting her tits out.

Definately A/B and B.
She's no prude and will go topless/naked when appropriate (sauna/nude beach).
But when others around we know, there is always the "plausible deniability" factor.
She doesn't want to get the reputation of "the one showing her goods to all".
Besides, most wives of our friends would not appreciate her doing so.
I do know the idea of being exposed to some other friends turns her on ... but that hasn't happened yet in real life.
Maybe I should spreak the word around next time we go to the sauna :)

My wife was a party girl back in her "heyday", and has admitted herself to finding herself in "compromising" situations after drinking too much and indulging in narcotics. Hence I would not be that surprised if such a pic surfaced.

She would just be embarrassed that she did it publicly; as a nudist she would probably be like "look how good I looked back then" if the pic was flattering enough.