E.G.
I'd have to agree with your husband. Don't sweat it too much. I work with 4 year old's daily, and see this behavior in some of the kid's I work with. They'd rather stay with me and talk my ear off instead of playing with the other kid's. I do engage in conversations with them but do insist that they go play at a certain point so they don't miss out on the playtime. As long as she is happy, and is showing signs that her imagination is being used I wouldn't worry about it. Play with her and if possible bring other kid's into the playtime as well to promote her trust with friends, they will hopefully spark a bond. Good luck and I'll pray for you and your daughter.
signed: E. G.