Talking to him about it doesn't mean that you don't love him. It means that you love him enough to want to make sure that the lights and water stay on.
Are the things he's buying and paying for out of his paycheck needs or wants? Is it gas to go to work, or is it fishing gear? The bills have to be paid first, and IF there's money left over to play with, fine.
He works long hours, but he needs to realize that going to school, working, and taking care of a kid means that you put in just as many hours as he does; you just don't get a check for all of them. That means that both of you have to contribute around the house.
My husband and I handle finances this way. When we met, we each had a checking account. We did not combine accounts when we married; we each kept our own. I have a 17-year-old daughter fom a previos relationship. My husband is currently a full-time grad studnt, and he teaches a couple of classes each semester. What we have done ever since we moved in together is to sit down with a list of all of our sources of income and then work out who pays for what, based on who has enough money to do so. For example, he would pay the rent and the cable bill, while I paid the car insurance and electricity. Since I did most of the cooking, I did most of the grocery shopping. He and I both had bills from before we met (credit cards, etc) and each was responsible for his own. I was responsible for my daughter's expenses, but he often kicked in just because he wanted to. Any moey either of us had left after bills was ours to do with as we pleased. That was four years ago. As our situation changed (he lost his income when Katrina destroyed the school where he was teaching in New Orleans, our only vehicle died and had to be replaced, my daughter got a driver's license and an after school job, etc.), we have had to re-negotiate the budgeting, but the basic plan is the same.
Since he, my daughter, and I all have busy schedules, housework is often hard to keep up with. He is very picky about his laundry, as am I, so each of us does our own. My daughter has been responsible for her own laundry since she was twelve, not because she was picky about it, but because she was devloping the habit of letting her dirty clothes sit on her bedroom floor until she had no clean clothes left, and then bringing two weeks worth of laundry to me on Sunday night because she had nothing to wear to school the next day. You didn't say whether your son helped with housework, but there's no reason he can't. He's old enough to understand that helping to keep the house clean is the responsibility of everyone who lives there. So is your husband.
As for the sex issue, if you guys are fighting all he time, it's no wonder you don't have sex very often. Plus with the hours you both pput in, I'm sure fatigue is a factor. And I ould put off having another baby until you finish school and resolve the financial issues. Babies are expensive, and will add another stress factor to an already tense situation.