Just to update everyone - here's the latest with Neetu:
She called the VFS office and they weren't particularly helpful. She then called the Embassy helpdesk (where the gentleman has been pretty good) and asked a few questions about what she needed to submit to the VFS and what fees were still pending that she had to pay, etc etc ...
She was told that she only had to pay the courier fee at the VFS because she had already submitted all required original documents to the NVC - in fact, the gentleman said that despite the "rule" that you have to wait until 15 days prior, since she had already submitted her original documents and was only paying a fee, that she could even do that early ... He did tell hSo maybe she'll try that out ...
He did not tell her anything about another copy of the DS-230 or anything like that ... She also asked about taking her proof of relationship to the VFS and the gentleman recommended that she bring it to the interview ... However, she was told that CD's are not allowed (a lot of our pics and, of course, our wedding video, are on CD/DVD) - she will make due with photos, albums, and all other things that we have (letters, emails, phone records, receipt from Goa/other hotel) ...
As for the medical, she went to the Dr's office in the evening and got a physical exam using my scanned letter for her interview date

(she hasn't gotten hers yet, but I would assume it'll be there before Saturday) ... The Dr said that she should come back for some labwork, 3-4 shots for vaccinations, and a chest xray on Saturday morning and that a report would be ready for her a couple days after that ...
Her last day of work is FRIDAY - so she's free after that ... Looks like she won't have much to do when she's at home - so she can enjoy her time with her parents and do some packing

Hope that's helpful, guys ...