You understood correctly. The system generates the checklist based on the address and personal history for the last 10 years. And your wife has indeed lived in India and Dubai in the last 10 years, and the system understood that from the info.
For you however, you didn't stay in another country other than the UAE in the last 11 years, so the system couldn't detect that you lived in India for 6 months or more in a row.
However, do know that PCCs are required for countries where you lived for 6 months or more in a row, since the age of 18! Not for the last 10 years. So, if you've lived in India for 6 months after turning 18, I'd strongly suggest just getting a PCC from India and upload it upfront. I'd expect ADR for that if you don't.