Jadebear, I'm sorry that you have so much on your plate right now and are feeling very overwhelmed. I myself have never experienced inpatient therapy and can understand your reservations and concerns about it. Anything that is unknown or new can be scary. Your T sounds like he's a very honest and reasonable person, is there any way you could ask him for more information on exactly what takes place in inpatient care, realizing that therapy and care may vary slightly depending on the individual? Maybe discuss some of your reservations about going in more detail with him? The more information you have, the better you may feel about making the decision to go or not go.
If you're feeling suicidal, or are feeling so overwhelmed that you don't think you can cope and you may spiral down to becoming suicidal, then please don't hesitate to reach out and get the help and care that you need. Like ITL said the most important thing is keeping you safe and alive, everything else can be sorted out later.
Please know I'm thinking of you and sending good thoughts that things will get better and prayers that your husband and son will be ok.