Can I save on Taxes with Spousal RRSP and withdrawing from RRSP in times of need?

I have a permanent job in Toronto, Ontario. My wife is a home maker is not working and does not plan to work. I do not have a large amount of savings and am therefore hesitant to put money in RRSP. I get taxed a lot especially for bonuses (about 35% each year). I know that, if I start a spousal RRSP, then upon retirement, due to split income, we will pay less taxes. However, since I don't have a lot of savings, if I put money in a spousal RRSP, can I withdraw money from that in case or urgency? If so, will only my wife have to pay taxes for that withdrawal? If so, since she has no income, will the taxes be very little or nothing or will there be other penalties? Also, we have a home which was is in both our names. If we buy a second home, can we withdraw/borrow money from the RRSP? I know that some RRSP's are locked versus others are not. I assume I can withdraw money from an unlocked RRSP. If the RRSP is in my wife's name, will there be any savings for the withdrawal compared to having the RRSP in my name?