"I know we CAN claim her as a dependent".
Q. But I wonder if we should do that for her benefit which she could claims for the stimulus money (maybe)?
A. No. It's not optional. If you CAN claim her, she can NOT claim herself (and the stimulus money), even if you choose not to claim her.
You don't mention the possible $2500 education credit. Why not? There is a loop hole available to claim it even if she is on scholarship.
