Hi S. -
I grew up in the Annapolis/Arnold area and I can tell you, those are the best schools in the county. I personally went to Broadneck Senior High and graduated back in 1986, I still hear everything is great. The further north you go in the county can get to be a little scary. I don't know if it because Baltimore City is moving down into the county, but there just seems to be trouble in the Old Mill area.
I used to commute from Annapolis/Cape St. Claire to Baltimore all the time and depending on the hours your husband is working it only took 40 minutes.
We have since then moved across the "Bridge" and from there it took about 50 minutes. The schools in the Matapeake area are good also. I have a 4 1/2 year old so we did our investigating also and have heard nothing bad over here.
Good luck in your adventure of finding a new home. I know it can be both scary and exciting at the same time.
J.