Whenever I see comments about "baggage", it is interesting to me. It is almost always from older men talking about older women.

If you live life, you have problems. If you think you have made it this far without accumulating any, either you are a person without much depth to whom almost everything has been handed, someone who is unaware of their own issues and likely immature, or someone who has worked hard on their shit and come out the other side a happier healthier human. But, if you had worked on your shit, you probably wouldn't say that someone else has baggage when you have none.

Honestly, her "baggage" is that she is afraid of spiders and that her (almost all grown) kids have health issues. And that is concerning enough to you to post about it on Reddit? Like, really?

It sounds like you are looking for an excuse to end the relationship. If that is the case, you don't need a reason. This lady deserves someone who loves and respects her, someone appreciates who she is and what she brings to the table. If you aren't that guy, then perhaps there is some work you need to do on your own baggage.