B - Tell everyone there is a possibility and make sure to use condoms the rest of the month. All my hormonal BC has always said to wait one full cycle.
Lying can only cause more problems. If F is such a jerk to lose trust in you for misunderstanding a "new" bc method (read it on your blog post), cut him loose, he's not worth it. Did he take any interest to research it and find out about it? No, shame on him!
Will your husband really hate you, even knowing how distraught you are over this whole debacle? Personally I believe that you should tell him first and immediately and tell everyone else tomorrow.
Seriously, most bc have some failure rate, even when you do it exactly right. I was on the pill when my youngest was conceived, I just started the new pack a day late because I couldn't get to the pharmacy on time.