#1 - Patience - if you won't take an orphan the wait will be long.
As far as it being expensive, I read you said your hubby is a car guy. Well, it's not expensive to you if he is a die hard car guy. I bet if you got an orphan for now (which is still a bit of a wait) and waited for your other car he'd happily take the orphan smart as it is a blast to customize. Then you guys would be toosmart (two smarts). That's what we did - wife actually wanted this car much more than I did and I've gotten totally into it more than she'll ever be and this is coming from a car guy who eats, sleeps and drinks with thoughts of cars running through his head.
Pros and cons. Read around the site and you'll stumble across them in the first minute you open a thread. I haven't got many cons - maybe no cruise control is one I suppose, no armrest is another. That's about it and I can fix those.