We have had our BCAA membership since prior to our marriage
(13 years), and even with no break-downs, we used it to get
us into locked cars, helped other motorists, etc. Now that
our vehicles are aging, we hang on even tighter to our
membership. Lots of cheap insurance benefits for travel as
well that you can't get without being a member.
If you want just one membership, put it on you. As the
female and driving the older vehicle, you are probably at
greater risk on your own than your husband, depending on
where you live.