I can only answer your formal night question, sorta. Most men do wear a nice, usually dark suit (including the jacket) or a tux. However, I have also seen a few men go less formal. Its impossible to say whether or not your husband will feel out of place, only he can know that. Will he be in the minority? Yep. So it all just depends if you two are ok with that. I know some men just dont like to wear a suit/jacket (mine included). Our first few cruises, we simply opted out of formal nights... but on our last cruise, he brought and wore a jacket both nights. He was fine, tolerated it even though he didnt love it. If you really want to dress up and do the formal night, see if you can appeal to him to do it too just for a few hours for your sake (if it matters to you)... it does make for a nice keepsake photo. If its not important enough to push him to step out of his comfort zone, then dont. You'll get different views on this, its kind of a "hot button" topic. There are those who believe that you should either conform or just not participate at all. There are others who believe its your vacation paid for by your dollars, do whatever you want.
My suggestion... if you are packing a garment bag with formal wear for yourself, toss a jacket in there for him and decide that night. That way, if he wants to, you're prepared. If he doesnt want to, not much packing space wasted. Hope you have a nice time either way.
