Both my husband and I fall into the same two categories. I think your husband's approach is probably the healthiest. I figure fear and worry will supress my immune system.
Anyway, I don't really care about what happens to me, the only fear that chills me is for my kids and grandkids.
But I talked to one in Oregon yesterday and he calmed me down, so I think that is the right approach, be sensible, wash hands, and fear not.