Having done some more research, I’ve found four closet configuration tools with varying approaches to dividing up the space available in our still-empty master closet:

Closetmaid

This solution looks like it might be the easiest of them all: it’s two stacking containers in the center of the closet, with a high/low clothing rack on the left side and a long rack on the right side. This would give Jen a ton of space for long clothes and a lot of space on the left side for shorter stuff. The downside to this one is that the center column is pretty narrow, meaning there isn’t much room for anything, but at least there’s a shelf across the top.
No pricing given

17squares

This one has a lot of components, but seems to do a lot with the space that’s available. The drawers are wide, and there’s a good wide space on each of the short racks for the bulk of our hanging clothes. the middle rack is narrower and frankly doesn’t allow for much space for long dresses.
Estimated pricing: $1355

IKEA

The Swedes use two 23″ wide frames to contain the his and hers sections, leaving 38″ of space in between for a long hanging rack. I chose a set of five drawers for the bottom half and spent an extra $60 on four glass front drawers, but otherwise it’s pretty simple. I’d prefer a couple of taller deeper drawers down below but this is the only size they offer. This also doesn’t allow for a center rack install, but I’d just buy one separately and install it myself.
Estimated Pricing: $670

The Container Store

This one doesn’t use any kind of frames or containers at all; it’s all set up as wire racks hanging off the back wall and separated into three odd-sized sections. They actually offer two product lines, but the more expensive line wastes 4″ of space on either side due to its prefabricated origins. Here I’ve got a rack up top, and the his and hers racks on the right side. One is narrower than the other for reasons I wasn’t able to alter in their tool, and they don’t offer drawers in any of the configurations so it’s all shelves.
Estimated Pricing: $456

We haven’t made a decision yet, but these four approaches are much less expensive than I thought they might be.