Yes, your wife's income of over $100k will make your social security 85% taxable, so it does not matter what you make, your social security will be 85% taxable.
Also, if you file married filing separately, your social security automatically becomes 85% taxable, so this would not be a "loophole" to avoiding the taxability of your social security.
Yes, according to Social Security, "If you are under full retirement age for the entire year, we deduct $1 from your benefit payments for every $2 you earn above the annual limit. For 2025, that limit is $23,400."
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