Hi Art,
Sorry to meet you here under these circumstances.
First I would say I think you need a new oncologist for your wife. She appears to need more aggressive chemo than just Gemzar. Many patients live a lot longer, even with liver and other organ mets, when other chemo protocols are used when the first one fails.
I suggest you visit the Johns Hopkins Online Pancreatic Cancer Support Board for further advice and support. That board is much more active than this one and there is good knowledge and excellent support to be had there.
It's way too early for your wife to give up; stand there beside her and help her find a better doctor who believes she has more living to do and is willing to help her find the chemo that will allow her to do so.
Good luck.
Joan L