howard has talked about the subject of her delay in changing her last name, but, she has made a concerted effort to not change her name during the last 5 years, there has to be something compelling her to not put the exclamation point on the marriage
That isn't a "whole thing." You can change that in a day, probably.
It's even less than that: she could have somebody change it in a day. At most, she'd have to sign some papers and pose for a passport pic.
It's the exact opposite of "a whole thing".
But what would she even need changing? She doesn't work or drive, and she won't be traveling out of the country again. After Howard's stunt at their wedding, I'm pretty sure they won't be vacationing with the Kimmels anymore.