It’s very difficult, isn’t it? I understand the feeling of dread, I suspect it’s Covid related, but you don’t say. I think you need to tell your husband because if you do go, he needs to know how uncomfortable you’re feeling about it. Think about the journey, are you travelling by car, in which case you’re safe in your own car. Assuming you’ve not been asked to transport anyone else though. Then think about the destination, is it in an area of low transmission? Where are the others coming from? Do they live in areas of low transmission or high transmission? How large is the cottage? Will you be able to socially distance inside the cottage? Can everyone agree on house rules about sanitisation? Could you take and wear masks indoors?
If you still feel nervous after considering all those points, don’t go.