Welcome to the forum. I'll try to help. There are lots of questions in there, but here goes.
Probably you indeed had genital herpes at age 21 and HSV-1 was the cause. Positive cultures are reliable, but often the virus isn't typed. Your provider might have assumed HSV-2 because it was genital, without knowing for sure. Your blood test shows it definitely wasn't HSV-2; and since you had not had genital sex with the partner you apparently caught it from, HSV-2 was unlikely on that ground. (Did you receive oral sex from him? That also would be consistent with HSV-1 as the cause. If you had neither genital nor oral sex, that questions the entire diagnosis of genital herpes.) Finally, since you don't say you have had recurrent genital herpes outbreaks over the years, I assume you have not. That also is consistent with HSV-1, which causes many fewer genital recurrent outbreaks than HSV-2.
So now you are the partner of someone with HSV-2. You have not been infected after 5 years, when you obviously were susceptible but did not take any precautions. It's possible you could continue another 40 years of sex with him and still never catch it.
In your circumstance, many persons would just decide not to worry about it. Would it matter all that much if you caught what you always believed you had anyway? If you catch genital HSV-2, you might never know it, since most infections are mild or asymptomatic. If your marriage is strong and you are unlikely to have new partners in the future, then that's not an issue either. And if you do develop genital herpes with symptoms, effective treatment is available both to speed healing and prevent recurrent outbreaks.
That said, it would be perfectly reasonable if you decide to take reasonable steps to prevent catching it. Your a,b,c questions show you know the basic strategies: avoidance of sex when your husband has an outbreak, condoms, and suppressive therapy. Taking them one at a time:
a) In couples exactly like you -- monogamous, HSV-discordant, no condoms, no therapy -- who have sex an average of 2-3 times per week, transmission occurs in about 5% (1 in 20) couples per year. And that risk declines with time: the longer the duration of repeated exposure without transmission, the lower the risk it will ever occur. That's why you and your husband could have regular unprotected forever and you might never catch it.
b) The single research study of suppressive therapy showed a 50% reduction in transmission risk. For a variety of reasons related to study design , that's probably a minimum figure; many experts believe that in the real world, the reduction in transmission is better than that, maybe as high as 80% reduction. So now we're at something like a 1-2% risk of transmission per year.
c) Condoms, used properly for every episode of vaginal sex, are around 90% protective against HSV-2. The combination of suppressive therapy plus consistent condom use probably is very close to 100% protective.
As for oral transmission, your husband is right and you are wrong. Oral infection is uncommon in people with genital HSV-2. There is little if any risk of transmission to you by cunnilingus. No dental dam is necessary. (You could catch HSV-2 orally by performing oral sex on your husband. But the risk is low. HSV-2 doesn't survive well in the oral area, which is one reason why oral HSV-2 is uncommon.)
So those are your choices. Turning to a personal perspective, if I were in your situation, knowing what I know (and assuming a strong marriage with no likelihood of new sex partners), the only precaution I would take is to avoid sex when my husband had a symptomatic outbreak. Otherwise, I would just take my chances, knowing that effective treatment is available if I got genital herpes with symptoms. Obviously that strategy has "worked" for you and your husband for 5 years.
But I'm not you and the choice is not mine. The next higher level of protection is for your husband to take suppressive therapy, preferably with valacyclovir (Valtrex). The drug has no significant side effects, so the only downside is the cost, probably around $200-300 per year. Finally, if consistent condom use is acceptable to both you and your husband, you might consider it. That's a pretty tough road for many couples, but it's an option -- but I stress only if it is acceptable to both of you.
As for your last question, suppressive therapy achieves its maximum effect almost immediately, certainly within a few days of the first dose.
So there are the options. I hope the information is helpful. Best wishes--
HHH, MD
Thank you for a prompt and very detailed response.
LME