I just wanted to give you an update:
After I received your advice, I was calm for few weeks, until I saw few spots in my genital area. I called my doctor right away and went for a checkup. I can't tell you how upset I was..and how guilty my husband was feeling. It looked just like my husband's warts and I was positive that I got the warts too.
Anyway, it turned out that the spots were just "in-grown" hair!!!! That was a relief for both myself and my husband.
Then few weeks later, at the follow up visit, my husband requested biopsy to find out exactly what he has. A very long week later, the doctor called us with result.
The doctor told us that the warts were benign and not contigious. He said my husband just has a skin condition and it is not HPV.
Talk about happy ending....
I just want to suggest anyone out there dealing with similar situation to ask for biopsy, if possible. My husband thought he had genital warts for over 20 years. We made our life difficult for few months and were lucky to find out it was just a false alarm.
Again, thanks for your help and I wish everyone a happy ending, just like us..
BTW - My husband is not yet off the hook for not telling me about his condition before wedding, but his sentence will be much lighter now..