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There is a difference between Hajj and Umrah . Hajj is obligatory once in life while Umrah is recommended.

If Hajj has become obligatory on you (i.e. you are able financially and physically to perform Hajj) then it is obligatory on you to perform Hajj same year with out any delay even if your husband is not willing to perform it now. You will not be allowed to postpone performing Hajj because of your husband or any other reason as Hajj is Obligatory on you. You can join any trusted group of Hajj and go with them.

If our husband does not allow you to go for Umrah, you should obey him because Umrah is not obligatory but Mustahab (Recommended).

Wassalam.

We should not conflate the reward of the Ziyaras or Hajj. Performing one does not mean we should not perform the other. Hajj has its specific times and the Ziyara of Imam Hussayn has a specific time. If you can afford to perform both, that would be great. Keep in mind, those who perform Hajj will also have the opportunity to visit RasulAllah, FatimaZahra, and the Imams in Baqee'. 

You do not need to cover your face for Hijab if the silver stud is not considered by common people in your society as an ornament.

You don't need to remove it during Ehraam unless it is understood as an ornament.

Wassalam 

Hajj is obligatory immediately when we are able to perform it. Knowledge about basic rules of Hajj and Prayers is must which is simple and can be obtained in short time. Less knowledge about general teachings of Islam  does not mean an excuse to postpone Hajj.

You will get more blessings of Hajj as your intention is more sincere to perform this great worship and submit to and follow the Prophet (SAWA) and his Ahlul Bayt (AS).

The sincere performance of Hajj opens gates for more blessings , wealth and knowledge.

Wassalam.