T.F.
Many people have very firm opinions on this topic. You have to figure out what is right for your family.
We have an only child, 14 yr old daughter by choice. This is what is right for our family. I have never had any regrets. We have a very closeknit, tight family and we work as a team. Of course, there are ups and downs but we make sure all lines of communication are open and nothing is off limits when it comes to our communication.
I have been on this site before and I've seen responses that say only children are spoiled, materialistic,downright awful people and selfish of me to just have 1. In the same sense, I would not have a houseful of children to ensure that someone would be around to take care of me when I get old. I do have a strong opinion that if you bring a child into the world it is your responsibliity to care for them emotionally as well as financally (college, etc)
My daughter loves her life and has a huge network of friends. Girls are here every weekend. She has some friends who are only children and some with 3+ siblings. It does not matter how many siblings are in a family....any of them can be spoiled, materialistic and awful. It is HOW you raise them.
Another point people make is ..."you are leaving just her to take care of you when you get old" Well, I did not have her with the premise of taking care of me or hubby when we get old. We have retirement plans and long term care plans already funded and done. A child is not my social security for when I get old. A selfish reason to have a child is to do it to have someone take care of you when you are older.
We have been able to provide her with a very good life, many material things as well as emotional. She has a very stable home with 2 parents who love and respect her. Vacations have changed for us the past 2 years as she grows older. We now let her bring a friend at our expense and it has been nice for all of us.
It is up to you. I do understand your husband's concern if you are such a high risk... He loves you. Adoption is a good alternative.
Whatever you do, enjoy that baby, they grow up too fast.