Most of the points are pretty much covered below. If your wife/granddaughter is driving it they do not need a CDL as long as the truck is under 26K gross weight and trailer less than 10K. CDL rules are based on the VIN tag weight. The laws are typically based on the federal rules, but the enforcement comes down to the state, and that varies widely.
I've been in this situation before, had DOT numbers/farm name on magnetic signs. Put them on when needed and removed when used as a personal vehicle.
Now to add another wrinkle, if operating interstate and over 10K a medical card is required even if a CDL is not.
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