Other than a choice one can perceive as the difference between life and death, there is very little reason to choose the “life-altering” choice when a choice that does not alter one’s life is available. Life-altering choices rarely profit.
Regardless, what is your husband’s decision? He should not escape his responsibility to decide on behalf of your marriage, nor should you permit him to assign a “life-changing” decision to you. Any “life-changing” decision will impact your marriage, so such decisions are not yours to make. Even a decision regarding your medical health is his to make, as it would be if your were incapacitated.
You should be seeking counsel for your husband, not yourself.