Those all sound like valid reasons to me. I had not considered family size, especially a couple of generations back. Just looking at her parents - mother has one brother (with no descendants) father has five brothers who have many descendants; the odds are in fatherʻs side immediately. The other suggestions, too, are probably a large part of the issue.
I, personally, have 2 brothers, and several close cousins on 23&Me, but my husband (same Eng/Irish etc) has none. So, that likely points to ʻmini-culturesʻ and that his relatives are on the east coast and mine on the west, and have different friends and cultures.
Thanks, Rob, you helped me see some reasons.