Honestly, if you know what you're doing and don't need the motivation to work out on your own....what exactly is she giving you at this point for that kind of money? I agree, if you put that money towards buying equipment at home, you'd have a great home gym. And you'd probably benefit more from it in the long run, it would be free to workout after you bought the equipment, while working out with her would be a never-ending 400 dollar a month investment, 4800 a year, if you kept that up for say 5 years...that is 24,000 dollars. You could buy a new car for that or put a down payment on a house....
If you don't want to go completely without a trainer and she's unwilling to see you less often, you might want to look for someone else, if thats feasable for you?
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