there's more than one source suggesting that for those bornin שנה פשוטה both קאפיטלאך are recited for the month
I was not specifically regerring to the rebetzin, as you mentioned, reciting her kapitel may or may not be the same הוראה לרבים and/or subject to the same 'chumros'.
there are מענות in regards to one's personal kapitel that are relevant to pretty much all אדר birthdays