First, you have nothing to do with your hu*****and's 140 application. You'll submit your own 485 as a dependent.
Second, you could save a lot of tuition fees if holding H4. But you could lose H4 status if your hu*****and loses job.
Third, you'd pay more tuition fees if holding F1. But your hu*****and can apply to F2 as your dependent if losing his job.