It is not about settling, it is about husband & wife being living away with no means of seeing each other ( visa ) & wife sponsored for a US visa by a UK resident Husband. -
Be prepared for plenty of questions and a bunch of papers from Husband to be submitted over next application after 90 days of this interview, she will face questions for husband, reasons of not being together, future planning settling, starting a family etc etc etc and a final answer as ' we will let you know ' & Its history.