I would agree with Oz on this one. The "opinions" are rampant here going in all directions. But, ultimately that is all they are... opinions. And no one is in your exact situation or has your experiences. I could give pros and cons of each of the examples all ready given but bottom line, you know your husband so YOU have to look at your own unique set of pro's and con's and decide what will work for you, him, your kids, and your life in general.

It won't be easy by any means but.. that is my advice.