Thanks boatbod!
I am out of status for almost 180 days now, that's why I'm considering all options before I trigger the 3-year bar. However, as I mentioned earlier, I will be in my home country, separated from my husband, for 2 to 3 years anyway IF I DO DECIDE to fly home this week (I have a ticket ready by the way).
IF I STAY, I would be hoping that the odds are on my side, that my husband naturalization won't have any issues, or that I won't be subjected to proceedings.
I should also mention that my husband can also delay his naturalization application, remain as a permanent resident, and we wait for my priority date to be current (as a spouse of a resident). My I-130 from him is approved, my priority date is April 2004, the priority date current right now is January 2003. I am covered/grandfathered by the 245i so I am, in theory, able to adjust in the US despite prior unlawful presence, because a labor certification was filed and approved for me before April 30, 2001 (this was used for an employment-based petition for me that was later on denied).
It's just really scary being here and out of status, especially since I had always been "in-status" that last 7 years. It's quite a different feeling and my life has changed truly. I should also mention that I am no longer working at this time.
Thanks again so much for your responses!
Anyone else with a similar experience?