Frankly, I am not interested so much in optimizing her character as in helping her understand it. She wanted a (non-specialized) wizard 7/sorceror 2/loremaster 1 and while I don't think that is optimal, and I told her so, she wanted it anyhow so that is fine. It is more important that she have freedom of choice at this point. Thus she wants eschew materials, she gets it, regardless of how good or bad it is. She also took Negotiator, by the way, with no skill ranks in the two skills it gives bonuses to.
That said, and back to my OP, is there any list or program out there that would list the spells that require components that cost more than 1gp and arcane focuses, for 0th-4th level Wizard/Sorceror spells in the PHB, so she knows what to get? It would be a bit of work to dig through all those spells one by one.