I agree with you, definitely not the time for a dog! Things sound too busy and adding a dog will just make things more hectic and stressful than they already are. It sounds like the dog will be alone a lot of the time, and that is not a good living situation for a dog. Dogs are very social animals and they want to be around their owners as much as possible, and they also need to be socialized with other dogs at training, parks, etc. Dogs take up more time and money than most people realize, and that's part of the reason why our shelters are getting overcrowded. Please don't get a dog if it's just going to live outside, that is not a good life to live. Tell your husband maybe sometime in the future once things are not so busy and when you both will have time to commit to the dog, and when the dog can & will stay inside!!!
Training is so time consuming, yet so important. Yes you can take classes, but you still have to work on it a lot at home for the dog to learn. We spend probably an hour total throughout the day with our dog working on commands, we walk her at least once a day if not twice, and she needs a couple of good playtimes with us as well. We have free time during the day and flexible work/school schedules so we have plenty of time for her, otherwise we would not have adopted her.
It doesn't sound like you have the time and energy to put into a new dog right now, so please, for the dog's sake, say no and leave it at that. It can always be revisited in a few years, there will always be dogs to adopt.