diamond,
seriously, it's up to you how much deco you want. I've seen some with zero floral arrangement. Not that we missed it...coz we just ate, chatted, laughed, took pics and left. Then again, I've seen some with tons of floral deco. So it's really dependent on what you prefer or can afford (time and $$) to do lorh.
skirting deco - I would think any caterer would provide lah, coz when we cater for home party, it comes with skirting. Kinda like a "no need to ask, it's definitely there" kinda thing.
VIP tables - not sure if every caterer would do this. Worse case, put some tables together on ur own lorh. But u gotta consider is it necessary? Would ur parents & MIL want to sit at the VIP table? Or would they prefer to mingle ard with relatives? I have seen some, where the VIP table is nicely laid out. But nobody touched the seats until caterer collects back everything. Coz the couple and family are busy chatting, laughing, taking pics etc. So, necessary or not, you decide.
So, at the end of the day, what do kind of deco do you want / can accept? There's no right or wrong lah. SFX seems pretty ok to me liao.
Maybe like what ur FH said lorh, just call them to give them menu can liao. Then just check if they will provide skirting. But if you are particular about floral deco, then u can ask your florist for help.
Yes, we brides all want things to be "sui sui" (nice nice). But I guess, in times like this, gotta take a step back to see where ur FH is coming from. On his mind now is probably $$ for ur MIL's medical bills and he probably doesn't want you to run ard, and take on too much of the preps by yourself (he's probably thinking it'll be too tiring for you)...so he's cutting back and making it a really simple affair...like, just get the food kinda thing.
Can understand why he's not in the mood to prepare (would you be? if u're in his shoes?) But that does not mean he doesn't want to get married...So wanting to get married must = mood to prepare...? C'mon, you've attended EE (or MPC) right?