To make this clear here: Am I right in interpreting that in this context, "she" refers to Siri, Apple's voice assistant. The statement means that while Siri announces who is calling on the user's wife's iPhone XR, Siri does not follow up by asking if the user wants to answer the call.

Respond to Siri announcements hands-free
You can nod or shake your head to respond to Siri announcements while you’re wearing supported AirPods. So if you’re on the bus to work, you can still use Siri for managing calls, messages, and notifications without having to speak out loud. See Use controls and gestures with your AirPods in the AirPods User Guide.

Siri can announce calls and notifications from apps like Messages on supported headphones. Announce Calls also works with supported third-party apps. Open the Settings app on your Apple Watch. Tap Siri, then turn on Announce Calls.
Announce calls with Siri on Apple Watch - Apple Support (IN)

Go to Settings > Siri > Announce Calls, then choose an option. When a call comes in, Siri identifies the caller, and asks if you want to answer the call. Say “ ...
Announce calls, messages, and more with Siri on iPhone

Summary:
Siri's "Announce Calls" feature works when you're using compatible headphones (like AirPods, AirPods Pro, AirPods Max, or certain Beats models) or CarPlay. Here's how it works:
- On Headphones or AirPods: Siri announces the caller's name (or number if not in your contacts) when you receive a call. You can answer the call hands-free by saying, “Answer,” or ignore it by saying, “Decline.”
- Without Headphones/AirPods: Siri won't announce calls directly over the iPhone's speaker or other connected audio sources (e.g., external speakers). Instead, it relies on visible notifications or vibrations.
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