So my question directed to all who have been advising I can (either now or could then but didn't know how) have both Trees under the one subscription is HOW TO GO ABOUT IT? Advice on how to proceed will be appreciated and kindly fill me in on how and when Ancestry permitted two (or more) DNA Trees under one subscription?
Bob, I think the answer here is that Ancestry insist on you having two separate
accounts but you don't have to both have
subscriptions. My husband and I have had separate Ancestry accounts for years, me being a subscriber and him just having a free account. I have always had 'editor' access to his tree (and he to mine) so I can do the research for both of us from my paid-for account. After we did our DNA tests in summer 2017, he was offered a one year half-price subscription, and as my renewal was coming up (at zero discount of course), we decided to save money by making him the subscriber and letting my subscription lapse. So I continued to research for both of us, but logged in as him. He didn't have to take up the subscription, he could have continued as a 'guest', with me managing his tree as the subscriber, but it would have cost us double (i.e. my full-price sub). As I think I mentioned before, a couple of weeks before his subscription was due to expire in August this year, I received a one year half price offer of my own on my DNA home page, and decided to take this up, and let his subscription duly lapse. This has worked well, with me being able to choose both DNA tests from my main DNA page and see the separate lists of matches, shared ancestor hints, ethnicity maps etc.
So, in short, yes you need two separate accounts for the DNA, but you do not need to both be subscribers. In fact, as jorghes has pointed out, it seems you don't even need to have two separate trees linked to the DNA tests, you can use the same one for both, though my husband and I have chosen to keep them separate for convenience.
I hope this explains things for you. As to whether you can get a refund of your wife's subscription if you feel you were misinformed about needing it, I don't know, but you could ask.