Ouch hula
"Suggest" to your DH that he goes and buys a large USB hard drive (at least a Terabyte) and signs up to a cloud storage account with similar amounts of space. Put all photos you take from now onto both of these as well as your laptop. Always keep them in three locations.
Don't use the laptop after you get it back until a pro file restorer has been able to assess it. If it takes 4-5 cycles with random bytes of data to securely wipe a drive even when you want to, I'm sure that PCW won't have killed all of the files.
Put a post up on facebook if you are on it, requesting that people send you all photos that they have that you are on, or of the events that you all went to. Use something like Flickr if you have to, then uploading is easy.
I don't think YABU. I'd be upset if mine rang me at work when I can do diddly squat about something and he knows it'd drive me potty until I got home.
(At the last count I had over 43,000 photos - it's my main hobby - and scans of pre-digital negatives. I take backups very seriously and if I lost them, I would be beyond angry.)