What would you do?

Christmas chaos! I'll try to make this as short as I can. Where we live, the rules at Christmas are that you can only socialise as a group of 3 households and only those 3 across the Christmas period and I really don't know what to do.

My husband's family would be his dad and sister (from 2 separate households) plus his nieces (from a 3rd household). If we saw them, we'd first be a group of 4 households and also it would mean we couldn't see my family at all.

My family would be my parents and my sister and her family (2 separate households) plus us, so 3 households. But again, if we saw them, it would mean we couldn't see my husband's family at all.

Now my main problem is that most of my family have been working from home during the pandemic and all take it very seriously (wear masks, wash hands, anti bac, follow all of the rules etc, whether they agree with them or not). Whereas my father in law doesn't agree with the rules and refuses to wear a mask or social distance and usually doesn't have the cleanest house (there's been times where he has no soap in the bathroom) so I'm not confident that he's been cautious with his hygiene either.

I'll be coming up to 36 weeks by Christmas and the last thing I want is to catch covid, especially as if I went into labour while having it, it would mean giving birth without a birth partner and possibly not being able to be with my baby/having very little time with him for the first 2 weeks. Im so anxious about this idea, it scares me more than anything.

I have said to my husband that I'd rather see no one so that my husband feels it's fair than put myself and our baby at risk. He said not to be silly and we could still see my family but the next day started discussing how he could help clean his dad's house so I'd feel more comfortable there (the house is the last of my worries, it's more who he has been socialising with).

Thank you if you made it this far!!

I've chosen anon as I've seen posts like this where the OP has been attacked. I'd just like some honest but sensitive opinions please 🙏 What would you do? How would you approach it with your partner?