Not naive, just perhaps not sufficiently informed in the world of business. For instance, the abbreviation LTD itself means limited personal liability, and you'd want that, otherwise any loss would mean your own benefits you made over time can disappear overnight, because someone in that company made a mistake. That wouldn't be fair to you as a company owner. Not sure if you operate as an LTD, but as long as you have another person to act as company director (can be your husband), you absolutely should.

I never really took Sir Richard Branson very seriously, but I can also see that whatever is happening now is fairly standard. Unfortunately in business there is always risk.