So, pondering this, it seems to me that the correct answer is to have all three cases generate the same thing:

The woman who lives next door is a nurse.

    _subj(be, woman)
    _subj(live, who)
    _anaph(woman, who)

A woman lives next door; she is a nurse.
  
    _subj(live, woman)
    _subj(be, she)
    _anaph(woman, she)

A woman lives next door, who is a nurse.

    _subj(live, woman)
    _subj(be, who)
    _anaph(woman, who)

_anaph for anaphora.