I agree with your husband. It's better to raise children of your own even though it's a hard work. You will learn so much thru thus process and be a team with your husband . He is your husband and you have the family with him now. Relationship us a long, hard process. There are always hindrance rocks on the path. Work it out with him. I believe he is a nice guy since you guys have been together for >10 years. Raising children will bring you both so much joy and blessing. Believe me, you will be so amazed by what they will offer you.