I saw her emerge from the clouds when the weather was below localizer mins.
She personally stated that she was completely lost, unable to control the
plane, and was contemplating landing in a field when she stumbled across the
airport.

I would also say that flying through a thunderstorm VFR when the ceilings
were below localizer mins and scud running low enough to damage a wing tip
by hitting a tree would count in my book as coming pretty close to getting
killed.

You can draw your own conclusions as to whether her actions were rational
and demonstrated good judgment.