First time posting so I hope I’m doing it right, and no malice intended, I think either:
A) She’s faking her own death is my first thought. Wanting to make it appear as though she went to church before disappearing to pray for forgiveness, leaving plenty of clues; clothes and rings by the river to be ‘identified’. Coat left in the water etc. You don’t hear of these types of things often with people just disappearing near water with stuff left and it’s so close in time to the Nicola Bulley case, you wonder if it’s sparked an idea.
B) All of the above but she has sadly taken her own life and been in sudden distress to do it and it’s all been a bit rushed as it was unplanned.
C) Something’s gone wrong or she’s had bad news, met someone at the cathedral (or again, gone to pray) and then decided to either take her life or run away.
D) An accident, with a mixture of the things above.
But to be honest, the husband not wanting to comment is incredibly off and I think the biggest indicator all isn’t as it seems…