After reading your post, I thought of several things, most of which have already been posted. But the primary thing is that your riding seems to be about your husband and not about what you enjoy. I would have resented the hand-me-down bike no end.

I say take the winter off from anything pedally. Find something else to do at the gym. Then reassess next spring. If you start looking at new bikes wishfully, then you might end up riding because you love it, and not because your DH does.