Tim,
So sorry about your wife. May your time together be good.
MkIII vs IV? I've got both, use both in low light situations, high school marching band and sports mostly. Typical ISO I use in those situations is 12,800, but I have no problem going to 25,600 (MkIII) or 32,000 (MkIV). Of the two cameras, I think the MkIV is better on high ISO and on virtually everything overall. I specifically think the IV is better in the range you want, ISO 1600 and 3200. All that said, the MkIII is a fine camera. When you are ready to choose, if money isn't an issue, I'd recommend the IV. If money is an issue, I'd recommend the III as it will serve you well.
As a final thought, when I bought the IV, I knew it had small improvements over the III. I waited until the price dropped from its initial release. The III is a workhorse and does amazing things. The IV is just a little bit better in many areas, but enough so that I prefer it over the III. (The III has about 90,000 shots on it, the IV about 30,000. I don't do continuous shooting at all.)
Hope this helps!