H.P.
Do you know that you never want another pregnancy? If so, go with the tubal ligation and add an over the counter method of birth control. If you know that you and your husband will stay together forever...ask him to have a vasectomy. Nothing but abstinence is 100%. Also, get some psychotherapy because your fear seems to (at least) border on irrational, to the point where you won't have intercourse with your husband over long stretches. How wonderful that he understands. That will get old, though.