Hi Minyan,
Is that really your name? I've never met anyone with that name!
We have a five year old, who, believe it or not still has the occasional potty accident. We only really felt she was finally potty trained about five or six months ago, and even so, if we let up on the cardinal sins of potty training (letting her have liquids before bed or forgetting to make her pee immediately before she goes to bed) we are at risk of an accident. So at three and a half, I think she's normal for a lot of kids.
First, I'm a big believer in pull-up pants. Since they're made for the older child, they seem to hold more than pampers. Not sure why your hubby doesn't use it, but go buy them yourself and tell him someone on Mamasource suggested it. Second, whatever you do, remember that no three year old (or 20 year old, for that matter) understands the value of property. That doesn't happen till they start buying their own furniture! Just be realistic and ask your husband to be realistic too. You might want to get a special bed for her and use one of those plastic crib mattresses, or a folding cot with a washable cot surface that comes off and can be removed and tossed in the washer, or one of those water-proof mattress covers (I use one of those). Finally, one key to potty training (I'm told) is to be very careful not to make them feel BAD about the accidents. That makes them stressed and MORE likely to fail than just taking it in stride.
By the way, the five year old is a step child here too, and her dad had a wonderful way of handling her when she was still wetting most nights- he had a three night rule. He would say, "it's your choice whether you want to wear diapers or underpants, but if you want to wear underpants you have to give us three nights in a row in pull-ups without waking up wet." Then she was motivated, and when she cried for a drink, he could tell her, "you can have a drink but you will have to wear a pull-up, and give us 3 nights in a row." This approach really worked, because she was motivated to get those three nights in a row, and would often rethink her drink request. But if she really WANTED the drink, he could give it to her - no feeling guilty about depriving his child, because she knew she had to wear the pull-up to get it. So Dad could give it to her without guilt, and I could relax because I knew she was in a pull-up.
Hope any of this helps. My chlld-rearing motto: whatever works, so long as it's legal!