I didn't know you had to replace your cleats every so often. Mine are knicked up and scruffy looking but work fine. Do they stop working when they need to be replaced? 
I have Speedplay X's and I do lube them when needed other than that they've been great I've done no other maintenance on them.
I also did not know about the cleat covers so I looked them up on Speedplay's website, I'll have to see about getting a pair it does make sense to use them.
My first set of clipless peds were Shimano 747's couldn't ask for a better system to get me started on clipless. Very user friendly I loved them! I only quit using them when I switched to my road bike because they caused heat spots on my feet which I never noticed on my MTB. You might want to check into a set of those and as others have mentioned PRACTICE! Practice in the house on the carpet until you feel totally comfortable clipping in and out oh and check the tension on the ones your hubby gave you possibility they are set tighter for him if he's heavier than you.
Good luck and happy pedaling!
Life is like a 10 speed bike, we all have gears we never use.
Charles Schultz
"The bicycle is just as good company as most husbands and, when it gets old and shabby, a woman can dispose of it and get a new one without shocking the entire community." — Ann Strong, Minneapolis Tribune, 1895