I'm boring, I call mine by his name. Or if I'm in a bad mood I might refer to him by something uncomplimentary. I can't imagine the word 'hubby' ever passing my lips, and I think I would have an involuntary lip curl of disgust at myself if I did.
Poly I don't like the word panties either, it sounds a bit sleazy and also makes me think of an insubstantial garment, probably with itchy lace and made of man-made fibres. I am a comfortable cotton undergarments girl myself.
I did used to know a couple who kept referring to each other my little affectionate nicknames including Firstname-Bear. It was all very sweet. I'm not really into very sweet.