Don't worry you will be fine. Especially if you are riding with your husband and he is experienced. Is this ride a group or regroup?if its a group they will have a sweeper from the club riding last to make sure no one gets left behind. If its a regroup they will have cue sheets and stops.This sounds like you may have people of all levels so don't worry about a hammerfest. Let people know this is your first group ride. Most people are nice and helpful on the rides I go on. Don't be embarrassed, sometimes you are last.. Just have fun and meet new people.